Home > Plains Commerce Bank > Performance and Condition Ratios
Plains Commerce Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8311% | 791 |
| Cost of funding earning assets | 2.4169% | 441 |
| Net interest margin | 3.4142% | 2,376 |
| Noninterest income to average assets | 6.0300% | 116 |
| Noninterest expense to average assets | 8.7087% | 127 |
| Loan and lease loss provision to assets | 0.1200% | 1,068 |
| Net operating income to assets | 0.2303% | 4,126 |
| Return on assets (ROA) | 0.8189% | 2,790 |
| Pretax return on assets | 0.8598% | 3,069 |
| Return on Equity (ROE) | 7.5700% | 3,140 |
| Retained earnings to average equity (ytd only) | 2.0593% | 3,567 |
| Net charge-offs to loans | 0.0898% | 975 |
| Credit loss provision to net charge-offs | 171.8861% | 1,346 |
| Earnings coverage of net charge-offs (x) | 5.0249% | 2,550 |
| Efficiency ratio | 95.9761% | 263 |
| Assets per employee ($millions) | 2.9539% | 4,387 |
| Cash dividends to net income (ytd only)* | 72.8029% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0762% | 2,952 |
| Loan loss allowance to noncurrent loans | 153.9699% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 912 |
| Noncurrent loans to loans | 0.6990% | 1,120 |
| Net loans and leases to total assets | 80.3100% | 610 |
| Net loans and leases to deposits | 106.7682% | 269 |
| Net loans and leases to core deposits | 133.0775% | 355 |
| Total domestic deposits to total assets | 75.2200% | 4,010 |
| Equity capital to assets | 10.4422% | 1,755 |
| Core capital (leverage) ratio | 10.9588% | 1,988 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,160,154,200 | 874 |
| Average earning assets | $1,035,619,200 | 887 |
| Average equity | $125,480,800 | 790 |
| Average total loans | $938,643,200 | 762 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7848% | 705 |
| Cost of funding earning assets | 2.3346% | 375 |
| Net interest margin | 3.4502% | 2,337 |
| Noninterest income to average assets | 6.3300% | 111 |
| Noninterest expense to average assets | 8.4733% | 130 |
| Loan and lease loss provision to assets | 0.1400% | 833 |
| Net operating income to assets | 0.7515% | 3,165 |
| Return on assets (ROA) | 0.7515% | 3,154 |
| Pretax return on assets | 0.7886% | 3,361 |
| Return on Equity (ROE) | 6.8900% | 3,461 |
| Retained earnings to average equity (ytd only) | 3.7844% | 3,314 |
| Net charge-offs to loans | 0.0178% | 1,778 |
| Credit loss provision to net charge-offs | 971.7742% | 416 |
| Earnings coverage of net charge-offs (x) | 64.5161% | 1,160 |
| Efficiency ratio | 90.1252% | 373 |
| Assets per employee ($millions) | 2.5022% | 4,447 |
| Cash dividends to net income (ytd only)* | 45.0432% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 2,454 |
| Loan loss allowance to noncurrent loans | 160.5720% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.6362% | 911 |
| Noncurrent loans to loans | 0.7365% | 1,120 |
| Net loans and leases to total assets | 80.2300% | 613 |
| Net loans and leases to deposits | 101.5536% | 450 |
| Net loans and leases to core deposits | 124.7035% | 442 |
| Total domestic deposits to total assets | 79.0000% | 3,698 |
| Equity capital to assets | 10.9489% | 1,363 |
| Core capital (leverage) ratio | 10.6362% | 2,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,148,891,500 | 886 |
| Average earning assets | $1,024,227,750 | 900 |
| Average equity | $125,388,500 | 782 |
| Average total loans | $928,698,750 | 774 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4943% | 839 |
| Cost of funding earning assets | 2.0584% | 438 |
| Net interest margin | 3.4359% | 2,429 |
| Noninterest income to average assets | 6.4000% | 104 |
| Noninterest expense to average assets | 8.4718% | 126 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 0.7418% | 3,240 |
| Return on assets (ROA) | 0.7418% | 3,256 |
| Pretax return on assets | 0.7757% | 3,450 |
| Return on Equity (ROE) | 6.8000% | 3,521 |
| Retained earnings to average equity (ytd only) | 3.7460% | 3,268 |
| Net charge-offs to loans | 0.0017% | 2,324 |
| Credit loss provision to net charge-offs | 15,062.5000% | 35 |
| Earnings coverage of net charge-offs (x) | 708.1250% | 209 |
| Efficiency ratio | 89.5810% | 366 |
| Assets per employee ($millions) | 2.8203% | 4,458 |
| Cash dividends to net income (ytd only)* | 44.9472% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 3,033 |
| Loan loss allowance to noncurrent loans | 154.6162% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.5642% | 963 |
| Noncurrent loans to loans | 0.6993% | 1,070 |
| Net loans and leases to total assets | 79.8100% | 652 |
| Net loans and leases to deposits | 110.9414% | 189 |
| Net loans and leases to core deposits | 136.1523% | 253 |
| Total domestic deposits to total assets | 71.9400% | 4,294 |
| Equity capital to assets | 9.8603% | 1,931 |
| Core capital (leverage) ratio | 10.0043% | 2,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,149,859,667 | 873 |
| Average earning assets | $1,024,306,667 | 890 |
| Average equity | $125,360,333 | 779 |
| Average total loans | $928,115,333 | 763 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3378% | 791 |
| Cost of funding earning assets | 1.6741% | 612 |
| Net interest margin | 3.6637% | 1,990 |
| Noninterest income to average assets | 7.6900% | 102 |
| Noninterest expense to average assets | 9.7370% | 110 |
| Loan and lease loss provision to assets | 0.1500% | 723 |
| Net operating income to assets | 1.0178% | 2,474 |
| Return on assets (ROA) | 1.0178% | 2,442 |
| Pretax return on assets | 1.0712% | 2,795 |
| Return on Equity (ROE) | 8.8400% | 3,094 |
| Retained earnings to average equity (ytd only) | 4.9428% | 3,032 |
| Net charge-offs to loans | -0.0009% | 3,310 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.8941% | 396 |
| Assets per employee ($millions) | 2.7189% | 4,532 |
| Cash dividends to net income (ytd only)* | 44.0911% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1568% | 2,786 |
| Loan loss allowance to noncurrent loans | 154.5141% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.5962% | 854 |
| Noncurrent loans to loans | 0.7487% | 1,020 |
| Net loans and leases to total assets | 78.7200% | 682 |
| Net loans and leases to deposits | 100.0678% | 444 |
| Net loans and leases to core deposits | 118.3919% | 483 |
| Total domestic deposits to total assets | 78.6600% | 3,928 |
| Equity capital to assets | 11.2055% | 1,264 |
| Core capital (leverage) ratio | 11.7558% | 1,425 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,087,402,500 | 931 |
| Average earning assets | $968,409,500 | 938 |
| Average equity | $125,192,500 | 790 |
| Average total loans | $877,938,500 | 814 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4810% | 747 |
| Cost of funding earning assets | 0.6918% | 599 |
| Net interest margin | 3.7892% | 1,181 |
| Noninterest income to average assets | 5.5200% | 123 |
| Noninterest expense to average assets | 8.5941% | 123 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.2822% | 4,381 |
| Return on assets (ROA) | 0.2823% | 4,356 |
| Pretax return on assets | 0.3036% | 4,376 |
| Return on Equity (ROE) | 2.2900% | 4,361 |
| Retained earnings to average equity (ytd only) | 1.7726% | 4,024 |
| Net charge-offs to loans | 0.0217% | 1,633 |
| Credit loss provision to net charge-offs | 29.9401% | 1,892 |
| Earnings coverage of net charge-offs (x) | 18.7126% | 1,927 |
| Efficiency ratio | 96.5370% | 190 |
| Assets per employee ($millions) | 2.6365% | 4,572 |
| Cash dividends to net income (ytd only)* | 22.5017% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9620% | 3,560 |
| Loan loss allowance to noncurrent loans | 170.4965% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.4622% | 1,099 |
| Noncurrent loans to loans | 0.5643% | 1,319 |
| Net loans and leases to total assets | 81.1200% | 490 |
| Net loans and leases to deposits | 104.4115% | 284 |
| Net loans and leases to core deposits | 114.9687% | 462 |
| Total domestic deposits to total assets | 77.6900% | 4,120 |
| Equity capital to assets | 11.8395% | 977 |
| Core capital (leverage) ratio | 12.5971% | 1,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,013,655,000 | 970 |
| Average earning assets | $904,484,600 | 995 |
| Average equity | $125,127,000 | 788 |
| Average total loans | $768,861,800 | 840 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3399% | 671 |
| Cost of funding earning assets | 0.5875% | 462 |
| Net interest margin | 3.7524% | 1,029 |
| Noninterest income to average assets | 5.9500% | 122 |
| Noninterest expense to average assets | 8.9892% | 117 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 0.3244% | 4,350 |
| Return on assets (ROA) | 0.3244% | 4,305 |
| Pretax return on assets | 0.3020% | 4,372 |
| Return on Equity (ROE) | 2.6000% | 4,344 |
| Retained earnings to average equity (ytd only) | 1.9181% | 4,052 |
| Net charge-offs to loans | 0.1056% | 586 |
| Credit loss provision to net charge-offs | 8.4746% | 1,665 |
| Earnings coverage of net charge-offs (x) | 3.9373% | 2,192 |
| Efficiency ratio | 96.6802% | 193 |
| Assets per employee ($millions) | 2.2799% | 4,630 |
| Cash dividends to net income (ytd only)* | 26.2188% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0640% | 3,179 |
| Loan loss allowance to noncurrent loans | 176.4430% | 2,839 |
| Noncurrent assets plus other real estate owned to assets | 0.4646% | 1,163 |
| Noncurrent loans to loans | 0.6030% | 1,342 |
| Net loans and leases to total assets | 76.2200% | 889 |
| Net loans and leases to deposits | 88.7256% | 981 |
| Net loans and leases to core deposits | 97.5985% | 918 |
| Total domestic deposits to total assets | 85.9100% | 3,087 |
| Equity capital to assets | 12.8354% | 704 |
| Core capital (leverage) ratio | 12.6142% | 1,023 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $1,003,414,250 | 985 |
| Average earning assets | $895,544,750 | 1,007 |
| Average equity | $125,193,250 | 797 |
| Average total loans | $745,127,750 | 862 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0565% | 847 |
| Cost of funding earning assets | 0.5562% | 377 |
| Net interest margin | 3.5002% | 1,313 |
| Noninterest income to average assets | 5.7834% | 85 |
| Noninterest expense to average assets | 8.8893% | 82 |
| Loan and lease loss provision to assets | 0.0098% | 2,415 |
| Net operating income to assets | 0.0771% | 4,531 |
| Return on assets (ROA) | 0.0771% | 4,498 |
| Pretax return on assets | 0.0320% | 4,526 |
| Return on Equity (ROE) | 0.6234% | 4,504 |
| Retained earnings to average equity (ytd only) | 0.4071% | 4,109 |
| Net charge-offs to loans | 0.1506% | 427 |
| Credit loss provision to net charge-offs | 8.8968% | 1,637 |
| Earnings coverage of net charge-offs (x) | 0.3790% | 2,097 |
| Efficiency ratio | 99.5311% | 190 |
| Assets per employee ($millions) | 2.1261% | 4,688 |
| Cash dividends to net income (ytd only)* | 34.6939% | 1,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0217% | 3,505 |
| Loan loss allowance to noncurrent loans | 184.4558% | 2,790 |
| Noncurrent assets plus other real estate owned to assets | 0.4434% | 1,279 |
| Noncurrent loans to loans | 0.5539% | 1,506 |
| Net loans and leases to total assets | 78.4032% | 527 |
| Net loans and leases to deposits | 90.7886% | 675 |
| Net loans and leases to core deposits | 99.8279% | 676 |
| Total domestic deposits to total assets | 86.3579% | 3,155 |
| Equity capital to assets | 12.6772% | 725 |
| Core capital (leverage) ratio | 12.2302% | 1,063 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,017,182,667 | 960 |
| Average earning assets | $914,735,333 | 993 |
| Average equity | $125,760,667 | 800 |
| Average total loans | $746,419,667 | 848 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6679% | 1,348 |
| Cost of funding earning assets | 0.5455% | 386 |
| Net interest margin | 3.1224% | 2,103 |
| Noninterest income to average assets | 6.8825% | 77 |
| Noninterest expense to average assets | 10.1495% | 69 |
| Loan and lease loss provision to assets | 0.0193% | 2,010 |
| Net operating income to assets | -0.3804% | 4,684 |
| Return on assets (ROA) | -0.3804% | 4,668 |
| Pretax return on assets | -0.4688% | 4,677 |
| Return on Equity (ROE) | -3.1141% | 4,663 |
| Retained earnings to average equity (ytd only) | -3.2246% | 4,325 |
| Net charge-offs to loans | 0.0229% | 1,093 |
| Credit loss provision to net charge-offs | 119.0476% | 939 |
| Earnings coverage of net charge-offs (x) | -27.7381% | 1,821 |
| Efficiency ratio | 104.6337% | 179 |
| Assets per employee ($millions) | 2.1398% | 4,714 |
| Cash dividends to net income (ytd only)* | -3.5497% | 4,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1725% | 2,992 |
| Loan loss allowance to noncurrent loans | 159.3313% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.6462% | 920 |
| Noncurrent loans to loans | 0.7359% | 1,294 |
| Net loans and leases to total assets | 69.2197% | 1,093 |
| Net loans and leases to deposits | 79.9165% | 1,152 |
| Net loans and leases to core deposits | 87.0430% | 1,077 |
| Total domestic deposits to total assets | 86.6150% | 3,067 |
| Equity capital to assets | 12.1484% | 907 |
| Core capital (leverage) ratio | 11.7213% | 1,181 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,036,779,000 | 949 |
| Average earning assets | $935,571,500 | 976 |
| Average equity | $126,650,000 | 810 |
| Average total loans | $732,284,500 | 852 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2892% | 861 |
| Cost of funding earning assets | 0.6362% | 458 |
| Net interest margin | 3.6530% | 1,332 |
| Noninterest income to average assets | 8.8869% | 71 |
| Noninterest expense to average assets | 10.5075% | 67 |
| Loan and lease loss provision to assets | 0.2415% | 401 |
| Net operating income to assets | 1.3978% | 1,285 |
| Return on assets (ROA) | 1.3982% | 1,338 |
| Pretax return on assets | 1.4474% | 1,886 |
| Return on Equity (ROE) | 10.8101% | 2,232 |
| Retained earnings to average equity (ytd only) | -7.0301% | 4,734 |
| Net charge-offs to loans | 0.3091% | 274 |
| Credit loss provision to net charge-offs | 105.8201% | 1,741 |
| Earnings coverage of net charge-offs (x) | 7.3993% | 2,345 |
| Efficiency ratio | 86.1554% | 467 |
| Assets per employee ($millions) | 2.0559% | 4,765 |
| Cash dividends to net income (ytd only)* | 165.0325% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1309% | 3,224 |
| Loan loss allowance to noncurrent loans | 150.6435% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.6629% | 976 |
| Noncurrent loans to loans | 0.7507% | 1,359 |
| Net loans and leases to total assets | 70.4043% | 993 |
| Net loans and leases to deposits | 81.3077% | 1,118 |
| Net loans and leases to core deposits | 89.4812% | 992 |
| Total domestic deposits to total assets | 86.5900% | 2,674 |
| Equity capital to assets | 12.2818% | 1,141 |
| Core capital (leverage) ratio | 11.4124% | 1,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,076,703,600 | 908 |
| Average earning assets | $975,333,200 | 923 |
| Average equity | $139,258,400 | 758 |
| Average total loans | $794,950,600 | 798 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4420% | 754 |
| Cost of funding earning assets | 0.6599% | 475 |
| Net interest margin | 3.7822% | 1,156 |
| Noninterest income to average assets | 9.3350% | 71 |
| Noninterest expense to average assets | 10.6185% | 68 |
| Loan and lease loss provision to assets | 0.3198% | 237 |
| Net operating income to assets | 1.7438% | 748 |
| Return on assets (ROA) | 1.7443% | 781 |
| Pretax return on assets | 1.8193% | 1,117 |
| Return on Equity (ROE) | 13.3244% | 1,607 |
| Retained earnings to average equity (ytd only) | 4.0776% | 3,555 |
| Net charge-offs to loans | 0.4422% | 173 |
| Credit loss provision to net charge-offs | 97.0874% | 1,625 |
| Earnings coverage of net charge-offs (x) | 6.4940% | 2,173 |
| Efficiency ratio | 83.2363% | 562 |
| Assets per employee ($millions) | 1.9904% | 4,840 |
| Cash dividends to net income (ytd only)* | 69.3973% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 3,261 |
| Loan loss allowance to noncurrent loans | 126.6749% | 3,127 |
| Noncurrent assets plus other real estate owned to assets | 0.9271% | 728 |
| Noncurrent loans to loans | 0.8984% | 1,283 |
| Net loans and leases to total assets | 68.3472% | 1,281 |
| Net loans and leases to deposits | 80.4465% | 1,246 |
| Net loans and leases to core deposits | 88.9478% | 1,098 |
| Total domestic deposits to total assets | 84.9598% | 3,130 |
| Equity capital to assets | 13.7006% | 807 |
| Core capital (leverage) ratio | 12.9597% | 857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,084,261,250 | 909 |
| Average earning assets | $980,995,500 | 935 |
| Average equity | $141,941,500 | 766 |
| Average total loans | $807,391,000 | 809 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4752% | 757 |
| Cost of funding earning assets | 0.6818% | 502 |
| Net interest margin | 3.7934% | 1,149 |
| Noninterest income to average assets | 9.6777% | 66 |
| Noninterest expense to average assets | 10.4641% | 64 |
| Loan and lease loss provision to assets | 0.4736% | 115 |
| Net operating income to assets | 2.1194% | 391 |
| Return on assets (ROA) | 2.1196% | 412 |
| Pretax return on assets | 2.1943% | 581 |
| Return on Equity (ROE) | 16.4337% | 873 |
| Retained earnings to average equity (ytd only) | 6.9113% | 2,461 |
| Net charge-offs to loans | 0.6633% | 120 |
| Credit loss provision to net charge-offs | 93.7613% | 1,420 |
| Earnings coverage of net charge-offs (x) | 5.2816% | 2,003 |
| Efficiency ratio | 79.6851% | 807 |
| Assets per employee ($millions) | 1.9235% | 4,884 |
| Cash dividends to net income (ytd only)* | 57.9445% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 3,494 |
| Loan loss allowance to noncurrent loans | 94.1825% | 3,417 |
| Noncurrent assets plus other real estate owned to assets | 1.0339% | 721 |
| Noncurrent loans to loans | 1.1480% | 1,055 |
| Net loans and leases to total assets | 69.7642% | 1,230 |
| Net loans and leases to deposits | 82.5770% | 1,165 |
| Net loans and leases to core deposits | 91.0711% | 1,060 |
| Total domestic deposits to total assets | 84.4839% | 3,287 |
| Equity capital to assets | 13.4889% | 822 |
| Core capital (leverage) ratio | 12.6334% | 880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,098,024,000 | 895 |
| Average earning assets | $999,779,333 | 907 |
| Average equity | $141,624,000 | 764 |
| Average total loans | $836,171,667 | 788 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7294% | 546 |
| Cost of funding earning assets | 0.6943% | 560 |
| Net interest margin | 4.0351% | 804 |
| Noninterest income to average assets | 10.8476% | 67 |
| Noninterest expense to average assets | 9.8314% | 71 |
| Loan and lease loss provision to assets | 0.8967% | 49 |
| Net operating income to assets | 3.5944% | 102 |
| Return on assets (ROA) | 3.5947% | 108 |
| Pretax return on assets | 3.8009% | 118 |
| Return on Equity (ROE) | 28.4924% | 171 |
| Retained earnings to average equity (ytd only) | 12.0855% | 1,121 |
| Net charge-offs to loans | 1.2867% | 55 |
| Credit loss provision to net charge-offs | 88.4017% | 1,176 |
| Earnings coverage of net charge-offs (x) | 4.6308% | 1,721 |
| Efficiency ratio | 67.6690% | 1,980 |
| Assets per employee ($millions) | 2.0847% | 4,898 |
| Cash dividends to net income (ytd only)* | 57.5833% | 947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8529% | 4,286 |
| Loan loss allowance to noncurrent loans | 65.9592% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 1.0897% | 734 |
| Noncurrent loans to loans | 1.2930% | 1,002 |
| Net loans and leases to total assets | 81.8552% | 232 |
| Net loans and leases to deposits | 99.5489% | 299 |
| Net loans and leases to core deposits | 110.4339% | 396 |
| Total domestic deposits to total assets | 82.2261% | 3,846 |
| Equity capital to assets | 12.6141% | 1,031 |
| Core capital (leverage) ratio | 12.7083% | 921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,115,199,500 | 876 |
| Average earning assets | $1,017,375,000 | 878 |
| Average equity | $140,697,000 | 760 |
| Average total loans | $879,170,500 | 752 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8569% | 661 |
| Cost of funding earning assets | 0.9925% | 609 |
| Net interest margin | 3.8644% | 1,322 |
| Noninterest income to average assets | 17.5233% | 45 |
| Noninterest expense to average assets | 11.8446% | 64 |
| Loan and lease loss provision to assets | 0.1454% | 2,551 |
| Net operating income to assets | 8.6729% | 24 |
| Return on assets (ROA) | 8.7526% | 24 |
| Pretax return on assets | 9.1875% | 28 |
| Return on Equity (ROE) | 70.2075% | 9 |
| Retained earnings to average equity (ytd only) | 34.7199% | 16 |
| Net charge-offs to loans | 0.1740% | 956 |
| Credit loss provision to net charge-offs | 103.5047% | 2,781 |
| Earnings coverage of net charge-offs (x) | 65.8489% | 1,015 |
| Efficiency ratio | 56.1524% | 3,972 |
| Assets per employee ($millions) | 2.3071% | 4,904 |
| Cash dividends to net income (ytd only)* | 50.5468% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 3,850 |
| Loan loss allowance to noncurrent loans | 30.9462% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 2.8380% | 137 |
| Noncurrent loans to loans | 3.2427% | 242 |
| Net loans and leases to total assets | 74.2599% | 988 |
| Net loans and leases to deposits | 94.4136% | 636 |
| Net loans and leases to core deposits | 106.2297% | 635 |
| Total domestic deposits to total assets | 78.6538% | 4,242 |
| Equity capital to assets | 12.4831% | 1,335 |
| Core capital (leverage) ratio | 12.1646% | 1,179 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $914,144,800 | 955 |
| Average earning assets | $844,618,000 | 959 |
| Average equity | $113,963,600 | 865 |
| Average total loans | $737,853,400 | 840 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9768% | 631 |
| Cost of funding earning assets | 1.0587% | 620 |
| Net interest margin | 3.9180% | 1,307 |
| Noninterest income to average assets | 15.0787% | 49 |
| Noninterest expense to average assets | 10.2673% | 73 |
| Loan and lease loss provision to assets | 0.1274% | 2,756 |
| Net operating income to assets | 7.9734% | 26 |
| Return on assets (ROA) | 8.0864% | 27 |
| Pretax return on assets | 8.4422% | 30 |
| Return on Equity (ROE) | 64.8911% | 13 |
| Retained earnings to average equity (ytd only) | 39.9260% | 18 |
| Net charge-offs to loans | 0.1285% | 1,112 |
| Credit loss provision to net charge-offs | 120.1449% | 2,495 |
| Earnings coverage of net charge-offs (x) | 79.7029% | 927 |
| Efficiency ratio | 54.8492% | 4,060 |
| Assets per employee ($millions) | 2.7317% | 4,901 |
| Cash dividends to net income (ytd only)* | 38.4724% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 4,117 |
| Loan loss allowance to noncurrent loans | 40.9022% | 4,170 |
| Noncurrent assets plus other real estate owned to assets | 2.2552% | 258 |
| Noncurrent loans to loans | 2.1629% | 548 |
| Net loans and leases to total assets | 84.0129% | 276 |
| Net loans and leases to deposits | 113.0757% | 181 |
| Net loans and leases to core deposits | 132.7684% | 209 |
| Total domestic deposits to total assets | 74.2979% | 4,550 |
| Equity capital to assets | 11.6461% | 1,907 |
| Core capital (leverage) ratio | 11.3737% | 1,666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $867,558,250 | 985 |
| Average earning assets | $806,100,000 | 985 |
| Average equity | $108,110,750 | 895 |
| Average total loans | $715,940,000 | 855 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1811% | 591 |
| Cost of funding earning assets | 1.1599% | 591 |
| Net interest margin | 4.0212% | 1,271 |
| Noninterest income to average assets | 9.4881% | 65 |
| Noninterest expense to average assets | 9.0712% | 82 |
| Loan and lease loss provision to assets | 0.0839% | 3,231 |
| Net operating income to assets | 3.8602% | 50 |
| Return on assets (ROA) | 4.0455% | 45 |
| Pretax return on assets | 4.2597% | 56 |
| Return on Equity (ROE) | 31.4858% | 52 |
| Retained earnings to average equity (ytd only) | 18.2584% | 117 |
| Net charge-offs to loans | 0.1271% | 1,075 |
| Credit loss provision to net charge-offs | 81.0345% | 2,500 |
| Earnings coverage of net charge-offs (x) | 40.0714% | 1,246 |
| Efficiency ratio | 68.6187% | 2,153 |
| Assets per employee ($millions) | 2.8325% | 4,899 |
| Cash dividends to net income (ytd only)* | 42.0107% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 3,449 |
| Loan loss allowance to noncurrent loans | 42.9602% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 2.6959% | 195 |
| Noncurrent loans to loans | 2.3823% | 510 |
| Net loans and leases to total assets | 84.7029% | 202 |
| Net loans and leases to deposits | 112.6232% | 182 |
| Net loans and leases to core deposits | 130.9681% | 247 |
| Total domestic deposits to total assets | 75.2091% | 4,498 |
| Equity capital to assets | 11.4717% | 1,991 |
| Core capital (leverage) ratio | 12.6285% | 1,135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $784,326,333 | 1,045 |
| Average earning assets | $727,840,000 | 1,035 |
| Average equity | $100,775,667 | 939 |
| Average total loans | $638,915,000 | 914 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1232% | 763 |
| Cost of funding earning assets | 1.3130% | 549 |
| Net interest margin | 3.8102% | 1,934 |
| Noninterest income to average assets | 6.3281% | 81 |
| Noninterest expense to average assets | 8.3012% | 92 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4697% | 835 |
| Return on assets (ROA) | 1.8724% | 393 |
| Pretax return on assets | 1.9855% | 460 |
| Return on Equity (ROE) | 13.5315% | 788 |
| Retained earnings to average equity (ytd only) | 13.3118% | 296 |
| Net charge-offs to loans | 0.2902% | 505 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 6.8128% | 1,962 |
| Efficiency ratio | 84.2051% | 813 |
| Assets per employee ($millions) | 2.6438% | 4,919 |
| Cash dividends to net income (ytd only)* | 1.6236% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3821% | 1,766 |
| Loan loss allowance to noncurrent loans | 31.3120% | 4,383 |
| Noncurrent assets plus other real estate owned to assets | 3.6904% | 119 |
| Noncurrent loans to loans | 4.4141% | 156 |
| Net loans and leases to total assets | 78.2966% | 931 |
| Net loans and leases to deposits | 92.0421% | 1,276 |
| Net loans and leases to core deposits | 104.3123% | 1,167 |
| Total domestic deposits to total assets | 85.0661% | 2,391 |
| Equity capital to assets | 14.0129% | 1,050 |
| Core capital (leverage) ratio | 13.1637% | 1,152 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $710,547,500 | 1,101 |
| Average earning assets | $658,333,000 | 1,096 |
| Average equity | $98,318,500 | 957 |
| Average total loans | $559,625,000 | 994 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5603% | 506 |
| Cost of funding earning assets | 1.3150% | 743 |
| Net interest margin | 4.2453% | 1,220 |
| Noninterest income to average assets | 3.5095% | 124 |
| Noninterest expense to average assets | 5.7690% | 149 |
| Loan and lease loss provision to assets | 0.0445% | 3,121 |
| Net operating income to assets | 1.5720% | 889 |
| Return on assets (ROA) | 1.5893% | 913 |
| Pretax return on assets | 1.6629% | 1,295 |
| Return on Equity (ROE) | 11.4196% | 1,725 |
| Retained earnings to average equity (ytd only) | 4.3119% | 2,804 |
| Net charge-offs to loans | -0.0236% | 4,661 |
| Credit loss provision to net charge-offs | -234.3750% | 4,320 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3498% | 1,226 |
| Assets per employee ($millions) | 2.8405% | 4,889 |
| Cash dividends to net income (ytd only)* | 62.2413% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 1,257 |
| Loan loss allowance to noncurrent loans | 43.9249% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 2.7392% | 211 |
| Noncurrent loans to loans | 3.3948% | 248 |
| Net loans and leases to total assets | 76.9546% | 1,265 |
| Net loans and leases to deposits | 89.9275% | 1,597 |
| Net loans and leases to core deposits | 101.8728% | 1,418 |
| Total domestic deposits to total assets | 85.5741% | 2,252 |
| Equity capital to assets | 13.6595% | 1,222 |
| Core capital (leverage) ratio | 12.6117% | 1,424 |
| Tier 1 risk-based capital ratio | 14.8458% | 2,847 |
| Total risk-based capital ratio | 16.0974% | 2,774 |
| Memoranda: | ||
| Average total assets | $674,885,600 | 1,111 |
| Average earning assets | $627,758,200 | 1,099 |
| Average equity | $93,926,200 | 942 |
| Average total loans | $541,541,000 | 996 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5416% | 550 |
| Cost of funding earning assets | 1.2930% | 804 |
| Net interest margin | 4.2486% | 1,267 |
| Noninterest income to average assets | 3.3547% | 131 |
| Noninterest expense to average assets | 5.4777% | 163 |
| Loan and lease loss provision to assets | 0.0600% | 2,693 |
| Net operating income to assets | 1.6998% | 746 |
| Return on assets (ROA) | 1.7230% | 750 |
| Pretax return on assets | 1.7964% | 1,100 |
| Return on Equity (ROE) | 12.3200% | 1,506 |
| Retained earnings to average equity (ytd only) | 5.0212% | 2,881 |
| Net charge-offs to loans | 0.0656% | 1,885 |
| Credit loss provision to net charge-offs | 113.2075% | 2,056 |
| Earnings coverage of net charge-offs (x) | 34.5778% | 1,493 |
| Efficiency ratio | 74.9350% | 1,452 |
| Assets per employee ($millions) | 2.8472% | 4,955 |
| Cash dividends to net income (ytd only)* | 59.2434% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 1,591 |
| Loan loss allowance to noncurrent loans | 39.7105% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 2.9627% | 193 |
| Noncurrent loans to loans | 3.5175% | 228 |
| Net loans and leases to total assets | 79.7243% | 883 |
| Net loans and leases to deposits | 93.4210% | 1,277 |
| Net loans and leases to core deposits | 103.3430% | 1,383 |
| Total domestic deposits to total assets | 85.3387% | 2,279 |
| Equity capital to assets | 13.8543% | 1,210 |
| Core capital (leverage) ratio | 13.1503% | 1,278 |
| Tier 1 risk-based capital ratio | 14.5645% | 3,040 |
| Total risk-based capital ratio | 15.8151% | 2,971 |
| Memoranda: | ||
| Average total assets | $666,788,250 | 1,119 |
| Average earning assets | $620,741,500 | 1,111 |
| Average equity | $93,255,250 | 949 |
| Average total loans | $538,796,250 | 1,002 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4693% | 600 |
| Cost of funding earning assets | 1.2582% | 850 |
| Net interest margin | 4.2110% | 1,336 |
| Noninterest income to average assets | 2.8956% | 164 |
| Noninterest expense to average assets | 5.1759% | 196 |
| Loan and lease loss provision to assets | 0.0913% | 2,030 |
| Net operating income to assets | 1.4813% | 1,197 |
| Return on assets (ROA) | 1.5146% | 1,157 |
| Pretax return on assets | 1.5861% | 1,585 |
| Return on Equity (ROE) | 10.7938% | 2,062 |
| Retained earnings to average equity (ytd only) | 4.1991% | 3,149 |
| Net charge-offs to loans | 0.1013% | 1,370 |
| Credit loss provision to net charge-offs | 111.5242% | 1,831 |
| Earnings coverage of net charge-offs (x) | 20.0706% | 1,789 |
| Efficiency ratio | 75.9124% | 1,403 |
| Assets per employee ($millions) | 2.9172% | 4,955 |
| Cash dividends to net income (ytd only)* | 61.0966% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4247% | 1,512 |
| Loan loss allowance to noncurrent loans | 34.0439% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 3.7019% | 129 |
| Noncurrent loans to loans | 4.1848% | 165 |
| Net loans and leases to total assets | 82.2907% | 560 |
| Net loans and leases to deposits | 96.9134% | 942 |
| Net loans and leases to core deposits | 108.9023% | 1,044 |
| Total domestic deposits to total assets | 84.9115% | 2,515 |
| Equity capital to assets | 14.2850% | 1,015 |
| Core capital (leverage) ratio | 13.4200% | 1,145 |
| Tier 1 risk-based capital ratio | 14.2105% | 3,203 |
| Total risk-based capital ratio | 15.4609% | 3,119 |
| Memoranda: | ||
| Average total assets | $657,475,000 | 1,133 |
| Average earning assets | $612,439,330 | 1,122 |
| Average equity | $92,257,000 | 956 |
| Average total loans | $531,157,330 | 1,011 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3675% | 670 |
| Cost of funding earning assets | 1.2101% | 879 |
| Net interest margin | 4.1575% | 1,410 |
| Noninterest income to average assets | 2.2280% | 211 |
| Noninterest expense to average assets | 4.7477% | 248 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2903% | 1,733 |
| Return on assets (ROA) | 1.3251% | 1,655 |
| Pretax return on assets | 1.3890% | 2,125 |
| Return on Equity (ROE) | 9.5295% | 2,579 |
| Retained earnings to average equity (ytd only) | 3.4087% | 3,558 |
| Net charge-offs to loans | 0.2477% | 585 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 6.8731% | 2,167 |
| Efficiency ratio | 77.8288% | 1,283 |
| Assets per employee ($millions) | 2.9461% | 5,001 |
| Cash dividends to net income (ytd only)* | 64.2299% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4273% | 1,582 |
| Loan loss allowance to noncurrent loans | 22.8230% | 4,708 |
| Noncurrent assets plus other real estate owned to assets | 5.2748% | 62 |
| Noncurrent loans to loans | 6.2538% | 72 |
| Net loans and leases to total assets | 78.7151% | 1,031 |
| Net loans and leases to deposits | 92.3281% | 1,368 |
| Net loans and leases to core deposits | 101.8124% | 1,480 |
| Total domestic deposits to total assets | 85.2558% | 2,579 |
| Equity capital to assets | 14.0345% | 1,026 |
| Core capital (leverage) ratio | 13.1918% | 1,189 |
| Tier 1 risk-based capital ratio | 14.2780% | 3,203 |
| Total risk-based capital ratio | 15.5280% | 3,132 |
| Memoranda: | ||
| Average total assets | $656,567,000 | 1,144 |
| Average earning assets | $611,527,000 | 1,126 |
| Average equity | $91,295,500 | 955 |
| Average total loans | $521,548,000 | 1,035 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4881% | 412 |
| Cost of funding earning assets | 1.0207% | 698 |
| Net interest margin | 4.4674% | 812 |
| Noninterest income to average assets | 2.2865% | 225 |
| Noninterest expense to average assets | 4.6190% | 272 |
| Loan and lease loss provision to assets | 0.1715% | 1,163 |
| Net operating income to assets | 1.5796% | 927 |
| Return on assets (ROA) | 1.5799% | 916 |
| Pretax return on assets | 1.6625% | 1,269 |
| Return on Equity (ROE) | 11.7484% | 1,799 |
| Retained earnings to average equity (ytd only) | 4.3635% | 3,143 |
| Net charge-offs to loans | 0.3778% | 501 |
| Credit loss provision to net charge-offs | 56.3472% | 3,136 |
| Earnings coverage of net charge-offs (x) | 6.0256% | 3,131 |
| Efficiency ratio | 71.5831% | 1,957 |
| Assets per employee ($millions) | 2.9424% | 5,027 |
| Cash dividends to net income (ytd only)* | 62.8588% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 1,271 |
| Loan loss allowance to noncurrent loans | 31.0317% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 3.9123% | 125 |
| Noncurrent loans to loans | 4.8549% | 117 |
| Net loans and leases to total assets | 77.8255% | 1,296 |
| Net loans and leases to deposits | 90.9596% | 1,673 |
| Net loans and leases to core deposits | 102.7460% | 1,520 |
| Total domestic deposits to total assets | 85.5605% | 2,416 |
| Equity capital to assets | 13.7753% | 1,038 |
| Core capital (leverage) ratio | 12.8765% | 1,294 |
| Tier 1 risk-based capital ratio | 14.4747% | 3,073 |
| Total risk-based capital ratio | 15.7257% | 2,985 |
| Memoranda: | ||
| Average total assets | $654,928,200 | 1,109 |
| Average earning assets | $610,758,400 | 1,098 |
| Average equity | $88,071,600 | 953 |
| Average total loans | $527,510,000 | 996 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3514% | 475 |
| Cost of funding earning assets | 0.9708% | 680 |
| Net interest margin | 4.3806% | 940 |
| Noninterest income to average assets | 2.2021% | 241 |
| Noninterest expense to average assets | 4.5185% | 289 |
| Loan and lease loss provision to assets | 0.2287% | 711 |
| Net operating income to assets | 1.4653% | 1,290 |
| Return on assets (ROA) | 1.4656% | 1,291 |
| Pretax return on assets | 1.5422% | 1,762 |
| Return on Equity (ROE) | 10.9660% | 2,193 |
| Retained earnings to average equity (ytd only) | 3.6772% | 3,930 |
| Net charge-offs to loans | 0.5099% | 304 |
| Credit loss provision to net charge-offs | 55.4294% | 2,788 |
| Earnings coverage of net charge-offs (x) | 4.2907% | 3,078 |
| Efficiency ratio | 71.8473% | 1,904 |
| Assets per employee ($millions) | 2.9092% | 5,099 |
| Cash dividends to net income (ytd only)* | 66.4674% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 1,620 |
| Loan loss allowance to noncurrent loans | 41.6850% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 2.9336% | 253 |
| Noncurrent loans to loans | 3.4104% | 291 |
| Net loans and leases to total assets | 80.9567% | 876 |
| Net loans and leases to deposits | 94.9553% | 1,275 |
| Net loans and leases to core deposits | 111.6497% | 933 |
| Total domestic deposits to total assets | 85.2577% | 2,507 |
| Equity capital to assets | 13.2426% | 1,233 |
| Core capital (leverage) ratio | 12.8562% | 1,345 |
| Tier 1 risk-based capital ratio | 13.7144% | 3,503 |
| Total risk-based capital ratio | 14.9649% | 3,421 |
| Memoranda: | ||
| Average total assets | $654,620,750 | 1,115 |
| Average earning assets | $610,742,250 | 1,101 |
| Average equity | $87,492,500 | 954 |
| Average total loans | $529,770,250 | 984 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2980% | 475 |
| Cost of funding earning assets | 0.9140% | 693 |
| Net interest margin | 4.3840% | 881 |
| Noninterest income to average assets | 2.0272% | 267 |
| Noninterest expense to average assets | 4.4868% | 298 |
| Loan and lease loss provision to assets | 0.3451% | 384 |
| Net operating income to assets | 1.2195% | 2,104 |
| Return on assets (ROA) | 1.2201% | 2,099 |
| Pretax return on assets | 1.2865% | 2,567 |
| Return on Equity (ROE) | 9.1004% | 2,972 |
| Retained earnings to average equity (ytd only) | 2.5628% | 4,235 |
| Net charge-offs to loans | 0.4115% | 376 |
| Credit loss provision to net charge-offs | 104.1744% | 1,959 |
| Earnings coverage of net charge-offs (x) | 4.9230% | 2,756 |
| Efficiency ratio | 73.3397% | 1,798 |
| Assets per employee ($millions) | 2.9253% | 5,145 |
| Cash dividends to net income (ytd only)* | 71.8388% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6323% | 1,023 |
| Loan loss allowance to noncurrent loans | 29.6269% | 4,765 |
| Noncurrent assets plus other real estate owned to assets | 4.5711% | 109 |
| Noncurrent loans to loans | 5.5095% | 108 |
| Net loans and leases to total assets | 80.2503% | 983 |
| Net loans and leases to deposits | 94.7977% | 1,272 |
| Net loans and leases to core deposits | 108.6688% | 1,077 |
| Total domestic deposits to total assets | 84.6543% | 2,816 |
| Equity capital to assets | 13.3737% | 1,148 |
| Core capital (leverage) ratio | 12.9523% | 1,239 |
| Tier 1 risk-based capital ratio | 13.7019% | 3,509 |
| Total risk-based capital ratio | 14.9545% | 3,411 |
| Memoranda: | ||
| Average total assets | $650,757,000 | 1,124 |
| Average earning assets | $607,208,000 | 1,105 |
| Average equity | $87,248,670 | 959 |
| Average total loans | $523,986,670 | 996 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1835% | 504 |
| Cost of funding earning assets | 0.8993% | 593 |
| Net interest margin | 4.2841% | 974 |
| Noninterest income to average assets | 1.5180% | 423 |
| Noninterest expense to average assets | 4.4817% | 300 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9918% | 2,880 |
| Return on assets (ROA) | 0.9918% | 2,907 |
| Pretax return on assets | 1.0264% | 3,442 |
| Return on Equity (ROE) | 7.3883% | 3,637 |
| Retained earnings to average equity (ytd only) | 0.0230% | 4,800 |
| Net charge-offs to loans | -0.0386% | 4,854 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3662% | 1,013 |
| Assets per employee ($millions) | 3.1703% | 5,031 |
| Cash dividends to net income (ytd only)* | 99.6891% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6931% | 960 |
| Loan loss allowance to noncurrent loans | 23.3094% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 5.8873% | 70 |
| Noncurrent loans to loans | 7.2636% | 63 |
| Net loans and leases to total assets | 78.3848% | 1,177 |
| Net loans and leases to deposits | 91.2107% | 1,534 |
| Net loans and leases to core deposits | 102.3184% | 1,501 |
| Total domestic deposits to total assets | 85.9382% | 2,567 |
| Equity capital to assets | 13.3968% | 1,073 |
| Core capital (leverage) ratio | 12.6831% | 1,299 |
| Tier 1 risk-based capital ratio | 13.6975% | 3,548 |
| Total risk-based capital ratio | 14.9504% | 3,451 |
| Memoranda: | ||
| Average total assets | $648,499,500 | 1,137 |
| Average earning assets | $603,994,000 | 1,126 |
| Average equity | $87,056,000 | 965 |
| Average total loans | $518,688,000 | 1,012 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2472% | 404 |
| Cost of funding earning assets | 0.8572% | 463 |
| Net interest margin | 4.3900% | 783 |
| Noninterest income to average assets | 2.3794% | 232 |
| Noninterest expense to average assets | 4.4372% | 332 |
| Loan and lease loss provision to assets | 0.2900% | 603 |
| Net operating income to assets | 1.6784% | 551 |
| Return on assets (ROA) | 1.6787% | 564 |
| Pretax return on assets | 1.7432% | 911 |
| Return on Equity (ROE) | 12.5310% | 1,070 |
| Retained earnings to average equity (ytd only) | 5.2949% | 1,937 |
| Net charge-offs to loans | 0.0591% | 2,625 |
| Credit loss provision to net charge-offs | 604.5752% | 533 |
| Earnings coverage of net charge-offs (x) | 42.3824% | 1,207 |
| Efficiency ratio | 68.5798% | 2,781 |
| Assets per employee ($millions) | 3.2032% | 5,028 |
| Cash dividends to net income (ytd only)* | 57.7458% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6640% | 1,007 |
| Loan loss allowance to noncurrent loans | 32.0474% | 4,820 |
| Noncurrent assets plus other real estate owned to assets | 4.2855% | 131 |
| Noncurrent loans to loans | 5.1923% | 123 |
| Net loans and leases to total assets | 78.8945% | 1,140 |
| Net loans and leases to deposits | 91.8450% | 1,548 |
| Net loans and leases to core deposits | 103.3588% | 1,458 |
| Total domestic deposits to total assets | 85.8996% | 2,486 |
| Equity capital to assets | 13.4515% | 1,079 |
| Core capital (leverage) ratio | 12.4418% | 1,383 |
| Tier 1 risk-based capital ratio | 13.8349% | 3,454 |
| Total risk-based capital ratio | 15.0878% | 3,361 |
| Memoranda: | ||
| Average total assets | $637,946,400 | 1,137 |
| Average earning assets | $594,467,400 | 1,125 |
| Average equity | $85,460,400 | 955 |
| Average total loans | $518,030,800 | 987 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2120% | 412 |
| Cost of funding earning assets | 0.8379% | 475 |
| Net interest margin | 4.3741% | 772 |
| Noninterest income to average assets | 2.4034% | 236 |
| Noninterest expense to average assets | 4.3588% | 351 |
| Loan and lease loss provision to assets | 0.3885% | 357 |
| Net operating income to assets | 1.6814% | 600 |
| Return on assets (ROA) | 1.6818% | 617 |
| Pretax return on assets | 1.7349% | 1,036 |
| Return on Equity (ROE) | 12.5674% | 1,161 |
| Retained earnings to average equity (ytd only) | 4.8399% | 2,993 |
| Net charge-offs to loans | 0.1109% | 1,679 |
| Credit loss provision to net charge-offs | 430.2326% | 727 |
| Earnings coverage of net charge-offs (x) | 23.5093% | 1,805 |
| Efficiency ratio | 67.2466% | 3,008 |
| Assets per employee ($millions) | 3.1693% | 5,108 |
| Cash dividends to net income (ytd only)* | 61.4885% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6500% | 1,137 |
| Loan loss allowance to noncurrent loans | 29.3914% | 4,948 |
| Noncurrent assets plus other real estate owned to assets | 4.6693% | 126 |
| Noncurrent loans to loans | 5.6139% | 121 |
| Net loans and leases to total assets | 79.6708% | 1,034 |
| Net loans and leases to deposits | 92.9690% | 1,425 |
| Net loans and leases to core deposits | 106.6126% | 1,231 |
| Total domestic deposits to total assets | 85.6961% | 2,430 |
| Equity capital to assets | 13.5239% | 1,148 |
| Core capital (leverage) ratio | 12.4341% | 1,443 |
| Tier 1 risk-based capital ratio | 13.7202% | 3,569 |
| Total risk-based capital ratio | 14.9730% | 3,500 |
| Memoranda: | ||
| Average total assets | $634,869,000 | 1,146 |
| Average earning assets | $591,949,000 | 1,132 |
| Average equity | $84,958,250 | 961 |
| Average total loans | $517,114,250 | 994 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0474% | 523 |
| Cost of funding earning assets | 0.8070% | 511 |
| Net interest margin | 4.2404% | 994 |
| Noninterest income to average assets | 2.4815% | 232 |
| Noninterest expense to average assets | 4.2556% | 396 |
| Loan and lease loss provision to assets | 0.3791% | 368 |
| Net operating income to assets | 1.7492% | 504 |
| Return on assets (ROA) | 1.7498% | 511 |
| Pretax return on assets | 1.7966% | 846 |
| Return on Equity (ROE) | 13.1228% | 1,007 |
| Retained earnings to average equity (ytd only) | 6.4133% | 1,895 |
| Net charge-offs to loans | 0.3128% | 652 |
| Credit loss provision to net charge-offs | 148.5149% | 1,535 |
| Earnings coverage of net charge-offs (x) | 8.5210% | 2,501 |
| Efficiency ratio | 66.1770% | 3,323 |
| Assets per employee ($millions) | 3.1953% | 5,103 |
| Cash dividends to net income (ytd only)* | 51.1284% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 1,788 |
| Loan loss allowance to noncurrent loans | 19.8372% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 6.0009% | 75 |
| Noncurrent loans to loans | 7.2452% | 63 |
| Net loans and leases to total assets | 79.9932% | 958 |
| Net loans and leases to deposits | 93.1525% | 1,346 |
| Net loans and leases to core deposits | 108.9094% | 1,054 |
| Total domestic deposits to total assets | 85.8734% | 2,428 |
| Equity capital to assets | 13.4073% | 1,184 |
| Core capital (leverage) ratio | 12.7727% | 1,266 |
| Tier 1 risk-based capital ratio | 13.2370% | 3,849 |
| Total risk-based capital ratio | 14.4872% | 3,760 |
| Memoranda: | ||
| Average total assets | $633,091,670 | 1,153 |
| Average earning assets | $589,611,670 | 1,139 |
| Average equity | $84,417,670 | 970 |
| Average total loans | $516,615,670 | 990 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1079% | 438 |
| Cost of funding earning assets | 0.8011% | 485 |
| Net interest margin | 4.3068% | 772 |
| Noninterest income to average assets | 1.5881% | 443 |
| Noninterest expense to average assets | 4.2398% | 411 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3265% | 1,174 |
| Return on assets (ROA) | 1.3265% | 1,207 |
| Pretax return on assets | 1.3514% | 2,057 |
| Return on Equity (ROE) | 9.9763% | 1,973 |
| Retained earnings to average equity (ytd only) | 3.8149% | 3,547 |
| Net charge-offs to loans | 0.3041% | 611 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 5.4308% | 2,294 |
| Efficiency ratio | 75.8302% | 1,932 |
| Assets per employee ($millions) | 3.0932% | 5,280 |
| Cash dividends to net income (ytd only)* | 61.7605% | 1,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3328% | 2,375 |
| Loan loss allowance to noncurrent loans | 21.8583% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 5.0648% | 115 |
| Noncurrent loans to loans | 6.0976% | 109 |
| Net loans and leases to total assets | 79.9382% | 840 |
| Net loans and leases to deposits | 93.0521% | 1,217 |
| Net loans and leases to core deposits | 107.8291% | 985 |
| Total domestic deposits to total assets | 85.9070% | 2,710 |
| Equity capital to assets | 13.4199% | 1,102 |
| Core capital (leverage) ratio | 12.4227% | 1,375 |
| Tier 1 risk-based capital ratio | 12.9462% | 4,107 |
| Total risk-based capital ratio | 14.0812% | 4,082 |
| Memoranda: | ||
| Average total assets | $626,910,000 | 1,161 |
| Average earning assets | $582,702,500 | 1,153 |
| Average equity | $83,357,500 | 978 |
| Average total loans | $512,999,000 | 994 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3891% | 301 |
| Cost of funding earning assets | 0.7565% | 616 |
| Net interest margin | 4.6326% | 477 |
| Noninterest income to average assets | 2.2412% | 289 |
| Noninterest expense to average assets | 4.2178% | 483 |
| Loan and lease loss provision to assets | 0.2444% | 864 |
| Net operating income to assets | 1.9953% | 321 |
| Return on assets (ROA) | 1.9992% | 334 |
| Pretax return on assets | 2.0911% | 405 |
| Return on Equity (ROE) | 14.9491% | 633 |
| Retained earnings to average equity (ytd only) | 6.0756% | 1,668 |
| Net charge-offs to loans | 0.3469% | 787 |
| Credit loss provision to net charge-offs | 83.3797% | 2,921 |
| Earnings coverage of net charge-offs (x) | 7.9528% | 2,946 |
| Efficiency ratio | 64.4007% | 3,866 |
| Assets per employee ($millions) | 3.1768% | 5,180 |
| Cash dividends to net income (ytd only)* | 59.3577% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3731% | 2,207 |
| Loan loss allowance to noncurrent loans | 46.2870% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 2.5752% | 457 |
| Noncurrent loans to loans | 2.9664% | 466 |
| Net loans and leases to total assets | 81.5014% | 666 |
| Net loans and leases to deposits | 94.5923% | 1,133 |
| Net loans and leases to core deposits | 112.0969% | 781 |
| Total domestic deposits to total assets | 86.1607% | 2,507 |
| Equity capital to assets | 13.1741% | 1,183 |
| Core capital (leverage) ratio | 12.0995% | 1,539 |
| Tier 1 risk-based capital ratio | 12.6268% | 4,305 |
| Total risk-based capital ratio | 13.8101% | 4,239 |
| Memoranda: | ||
| Average total assets | $613,642,800 | 1,143 |
| Average earning assets | $570,650,800 | 1,136 |
| Average equity | $82,065,400 | 968 |
| Average total loans | $518,594,600 | 947 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4280% | 283 |
| Cost of funding earning assets | 0.7348% | 683 |
| Net interest margin | 4.6932% | 435 |
| Noninterest income to average assets | 2.2422% | 300 |
| Noninterest expense to average assets | 4.1175% | 523 |
| Loan and lease loss provision to assets | 0.1421% | 1,648 |
| Net operating income to assets | 2.2477% | 225 |
| Return on assets (ROA) | 2.2529% | 238 |
| Pretax return on assets | 2.3550% | 279 |
| Return on Equity (ROE) | 16.7816% | 463 |
| Retained earnings to average equity (ytd only) | 6.8240% | 1,711 |
| Net charge-offs to loans | 0.2768% | 836 |
| Credit loss provision to net charge-offs | 60.4089% | 2,903 |
| Earnings coverage of net charge-offs (x) | 10.5911% | 2,555 |
| Efficiency ratio | 62.2999% | 4,175 |
| Assets per employee ($millions) | 3.2886% | 5,062 |
| Cash dividends to net income (ytd only)* | 59.3362% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3399% | 2,489 |
| Loan loss allowance to noncurrent loans | 35.3951% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 3.5667% | 274 |
| Noncurrent loans to loans | 3.7856% | 314 |
| Net loans and leases to total assets | 82.1737% | 588 |
| Net loans and leases to deposits | 95.3765% | 1,112 |
| Net loans and leases to core deposits | 113.6211% | 741 |
| Total domestic deposits to total assets | 86.1571% | 2,277 |
| Equity capital to assets | 13.3422% | 1,325 |
| Core capital (leverage) ratio | 12.3626% | 1,459 |
| Tier 1 risk-based capital ratio | 12.5121% | 4,464 |
| Total risk-based capital ratio | 13.6759% | 4,418 |
| Memoranda: | ||
| Average total assets | $609,803,500 | 1,157 |
| Average earning assets | $567,418,500 | 1,141 |
| Average equity | $81,865,500 | 976 |
| Average total loans | $518,298,000 | 946 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5055% | 254 |
| Cost of funding earning assets | 0.7121% | 755 |
| Net interest margin | 4.7934% | 373 |
| Noninterest income to average assets | 1.9321% | 352 |
| Noninterest expense to average assets | 3.9566% | 625 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.3402% | 191 |
| Return on assets (ROA) | 2.3482% | 198 |
| Pretax return on assets | 2.4459% | 237 |
| Return on Equity (ROE) | 17.4540% | 398 |
| Retained earnings to average equity (ytd only) | 7.1387% | 1,534 |
| Net charge-offs to loans | 0.0015% | 3,653 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 1,839.5000% | 24 |
| Efficiency ratio | 61.8776% | 4,364 |
| Assets per employee ($millions) | 3.3234% | 5,026 |
| Cash dividends to net income (ytd only)* | 59.0999% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4241% | 2,195 |
| Loan loss allowance to noncurrent loans | 40.7724% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 3.4432% | 316 |
| Noncurrent loans to loans | 3.4928% | 378 |
| Net loans and leases to total assets | 85.0532% | 324 |
| Net loans and leases to deposits | 99.0136% | 784 |
| Net loans and leases to core deposits | 119.6518% | 523 |
| Total domestic deposits to total assets | 85.9005% | 2,468 |
| Equity capital to assets | 13.6845% | 1,148 |
| Core capital (leverage) ratio | 12.4776% | 1,366 |
| Tier 1 risk-based capital ratio | 12.4164% | 4,584 |
| Total risk-based capital ratio | 13.6621% | 4,500 |
| Memoranda: | ||
| Average total assets | $603,697,330 | 1,172 |
| Average earning assets | $561,982,000 | 1,160 |
| Average equity | $81,219,000 | 981 |
| Average total loans | $516,677,000 | 946 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5228% | 246 |
| Cost of funding earning assets | 0.6943% | 828 |
| Net interest margin | 4.8285% | 341 |
| Noninterest income to average assets | 1.7250% | 417 |
| Noninterest expense to average assets | 3.8261% | 744 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.2913% | 205 |
| Return on assets (ROA) | 2.3040% | 211 |
| Pretax return on assets | 2.4002% | 280 |
| Return on Equity (ROE) | 17.2743% | 410 |
| Retained earnings to average equity (ytd only) | 7.5780% | 1,633 |
| Net charge-offs to loans | 0.0272% | 2,393 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 102.8286% | 529 |
| Efficiency ratio | 61.5820% | 4,512 |
| Assets per employee ($millions) | 3.4015% | 4,968 |
| Cash dividends to net income (ytd only)* | 56.1313% | 1,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4719% | 2,108 |
| Loan loss allowance to noncurrent loans | 42.8621% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 3.3372% | 354 |
| Noncurrent loans to loans | 3.4340% | 406 |
| Net loans and leases to total assets | 83.2277% | 435 |
| Net loans and leases to deposits | 96.8152% | 866 |
| Net loans and leases to core deposits | 117.1574% | 559 |
| Total domestic deposits to total assets | 85.9655% | 2,685 |
| Equity capital to assets | 13.6401% | 1,119 |
| Core capital (leverage) ratio | 12.3384% | 1,414 |
| Tier 1 risk-based capital ratio | 12.6148% | 4,512 |
| Total risk-based capital ratio | 13.8651% | 4,421 |
| Memoranda: | ||
| Average total assets | $603,121,000 | 1,170 |
| Average earning assets | $560,584,000 | 1,157 |
| Average equity | $80,443,000 | 990 |
| Average total loans | $514,077,500 | 949 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4361% | 298 |
| Cost of funding earning assets | 0.6514% | 1,068 |
| Net interest margin | 4.7847% | 386 |
| Noninterest income to average assets | 1.8706% | 395 |
| Noninterest expense to average assets | 3.9463% | 720 |
| Loan and lease loss provision to assets | 0.3377% | 461 |
| Net operating income to assets | 1.9411% | 382 |
| Return on assets (ROA) | 1.9455% | 390 |
| Pretax return on assets | 2.0388% | 501 |
| Return on Equity (ROE) | 14.8954% | 702 |
| Retained earnings to average equity (ytd only) | 6.2569% | 1,671 |
| Net charge-offs to loans | 0.3521% | 841 |
| Credit loss provision to net charge-offs | 112.2748% | 2,256 |
| Earnings coverage of net charge-offs (x) | 7.8868% | 3,026 |
| Efficiency ratio | 62.4598% | 4,538 |
| Assets per employee ($millions) | 3.4715% | 4,874 |
| Cash dividends to net income (ytd only)* | 57.9946% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 2,348 |
| Loan loss allowance to noncurrent loans | 44.0600% | 5,010 |
| Noncurrent assets plus other real estate owned to assets | 3.2826% | 383 |
| Noncurrent loans to loans | 3.2126% | 472 |
| Net loans and leases to total assets | 84.7647% | 326 |
| Net loans and leases to deposits | 101.1573% | 598 |
| Net loans and leases to core deposits | 123.5203% | 390 |
| Total domestic deposits to total assets | 83.7949% | 3,566 |
| Equity capital to assets | 13.0433% | 1,324 |
| Core capital (leverage) ratio | 11.9723% | 1,634 |
| Tier 1 risk-based capital ratio | 12.4526% | 4,664 |
| Total risk-based capital ratio | 13.7032% | 4,553 |
| Memoranda: | ||
| Average total assets | $590,547,800 | 1,157 |
| Average earning assets | $548,939,600 | 1,147 |
| Average equity | $77,131,000 | 986 |
| Average total loans | $504,411,200 | 929 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4330% | 302 |
| Cost of funding earning assets | 0.6486% | 1,102 |
| Net interest margin | 4.7844% | 390 |
| Noninterest income to average assets | 1.9930% | 361 |
| Noninterest expense to average assets | 4.1017% | 594 |
| Loan and lease loss provision to assets | 0.2118% | 916 |
| Net operating income to assets | 2.0351% | 342 |
| Return on assets (ROA) | 2.0410% | 355 |
| Pretax return on assets | 2.1342% | 474 |
| Return on Equity (ROE) | 15.6215% | 645 |
| Retained earnings to average equity (ytd only) | 6.2019% | 2,116 |
| Net charge-offs to loans | 0.2431% | 1,076 |
| Credit loss provision to net charge-offs | 102.1978% | 2,219 |
| Earnings coverage of net charge-offs (x) | 11.2901% | 2,503 |
| Efficiency ratio | 63.6756% | 4,304 |
| Assets per employee ($millions) | 3.4799% | 4,826 |
| Cash dividends to net income (ytd only)* | 60.2990% | 1,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 2,426 |
| Loan loss allowance to noncurrent loans | 33.1790% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 3.8418% | 315 |
| Noncurrent loans to loans | 4.3269% | 267 |
| Net loans and leases to total assets | 84.4966% | 348 |
| Net loans and leases to deposits | 98.6246% | 765 |
| Net loans and leases to core deposits | 115.9515% | 594 |
| Total domestic deposits to total assets | 85.6749% | 2,702 |
| Equity capital to assets | 13.3312% | 1,298 |
| Core capital (leverage) ratio | 12.0524% | 1,648 |
| Tier 1 risk-based capital ratio | 12.6076% | 4,678 |
| Total risk-based capital ratio | 13.8581% | 4,584 |
| Memoranda: | ||
| Average total assets | $585,439,250 | 1,170 |
| Average earning assets | $544,343,250 | 1,161 |
| Average equity | $76,490,750 | 999 |
| Average total loans | $499,180,750 | 940 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3853% | 318 |
| Cost of funding earning assets | 0.6408% | 1,159 |
| Net interest margin | 4.7445% | 407 |
| Noninterest income to average assets | 2.0429% | 359 |
| Noninterest expense to average assets | 4.2611% | 511 |
| Loan and lease loss provision to assets | 0.3182% | 450 |
| Net operating income to assets | 1.7987% | 520 |
| Return on assets (ROA) | 1.8069% | 528 |
| Pretax return on assets | 1.8828% | 759 |
| Return on Equity (ROE) | 13.9242% | 921 |
| Retained earnings to average equity (ytd only) | 4.0736% | 3,431 |
| Net charge-offs to loans | 0.5676% | 429 |
| Credit loss provision to net charge-offs | 65.8640% | 2,526 |
| Earnings coverage of net charge-offs (x) | 4.5382% | 3,028 |
| Efficiency ratio | 66.0269% | 4,002 |
| Assets per employee ($millions) | 3.8094% | 4,241 |
| Cash dividends to net income (ytd only)* | 70.7442% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 3,089 |
| Loan loss allowance to noncurrent loans | 60.8327% | 4,734 |
| Noncurrent assets plus other real estate owned to assets | 1.9944% | 1,108 |
| Noncurrent loans to loans | 2.1835% | 1,100 |
| Net loans and leases to total assets | 84.2040% | 358 |
| Net loans and leases to deposits | 97.7254% | 815 |
| Net loans and leases to core deposits | 126.2505% | 331 |
| Total domestic deposits to total assets | 86.1639% | 2,598 |
| Equity capital to assets | 12.8286% | 1,472 |
| Core capital (leverage) ratio | 11.4518% | 2,033 |
| Tier 1 risk-based capital ratio | 12.5744% | 4,759 |
| Total risk-based capital ratio | 13.8220% | 4,677 |
| Memoranda: | ||
| Average total assets | $584,549,330 | 1,177 |
| Average earning assets | $543,410,000 | 1,164 |
| Average equity | $75,853,670 | 1,015 |
| Average total loans | $497,517,670 | 944 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2849% | 359 |
| Cost of funding earning assets | 0.6400% | 1,181 |
| Net interest margin | 4.6449% | 453 |
| Noninterest income to average assets | 2.3799% | 290 |
| Noninterest expense to average assets | 4.6225% | 394 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.9962% | 341 |
| Return on assets (ROA) | 1.9962% | 359 |
| Pretax return on assets | 2.0645% | 523 |
| Return on Equity (ROE) | 15.2942% | 670 |
| Retained earnings to average equity (ytd only) | 5.7836% | 2,615 |
| Net charge-offs to loans | -0.0146% | 4,899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1260% | 3,633 |
| Assets per employee ($millions) | 4.0105% | 3,938 |
| Cash dividends to net income (ytd only)* | 62.1846% | 1,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4451% | 2,706 |
| Loan loss allowance to noncurrent loans | 50.8539% | 4,999 |
| Noncurrent assets plus other real estate owned to assets | 2.5631% | 829 |
| Noncurrent loans to loans | 2.8417% | 798 |
| Net loans and leases to total assets | 84.2800% | 292 |
| Net loans and leases to deposits | 103.6372% | 386 |
| Net loans and leases to core deposits | 133.0203% | 214 |
| Total domestic deposits to total assets | 81.3222% | 4,728 |
| Equity capital to assets | 13.0141% | 1,394 |
| Core capital (leverage) ratio | 11.8935% | 1,703 |
| Tier 1 risk-based capital ratio | 11.7652% | 5,400 |
| Total risk-based capital ratio | 13.0154% | 5,301 |
| Memoranda: | ||
| Average total assets | $579,692,000 | 1,189 |
| Average earning assets | $537,532,500 | 1,185 |
| Average equity | $75,662,500 | 1,013 |
| Average total loans | $492,711,500 | 955 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0177% | 148 |
| Cost of funding earning assets | 0.7206% | 1,001 |
| Net interest margin | 5.2971% | 182 |
| Noninterest income to average assets | 1.3942% | 627 |
| Noninterest expense to average assets | 3.7731% | 1,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.3698% | 176 |
| Return on assets (ROA) | 2.3698% | 179 |
| Pretax return on assets | 2.4641% | 205 |
| Return on Equity (ROE) | 17.7521% | 422 |
| Retained earnings to average equity (ytd only) | 7.5825% | 1,167 |
| Net charge-offs to loans | -0.0265% | 5,758 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4939% | 5,148 |
| Assets per employee ($millions) | 4.0412% | 3,853 |
| Cash dividends to net income (ytd only)* | 57.2869% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 2,528 |
| Loan loss allowance to noncurrent loans | 55.3231% | 4,940 |
| Noncurrent assets plus other real estate owned to assets | 2.4632% | 940 |
| Noncurrent loans to loans | 2.6918% | 902 |
| Net loans and leases to total assets | 83.2066% | 410 |
| Net loans and leases to deposits | 105.0607% | 396 |
| Net loans and leases to core deposits | 119.9360% | 412 |
| Total domestic deposits to total assets | 79.1986% | 5,204 |
| Equity capital to assets | 13.0911% | 1,321 |
| Core capital (leverage) ratio | 11.9352% | 1,668 |
| Tier 1 risk-based capital ratio | 11.1728% | 5,833 |
| Total risk-based capital ratio | 12.3913% | 5,784 |
| Memoranda: | ||
| Average total assets | $535,662,000 | 1,251 |
| Average earning assets | $489,741,800 | 1,253 |
| Average equity | $71,507,000 | 1,027 |
| Average total loans | $441,744,000 | 998 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6781% | 239 |
| Cost of funding earning assets | 0.7335% | 972 |
| Net interest margin | 4.9446% | 331 |
| Noninterest income to average assets | 1.3812% | 651 |
| Noninterest expense to average assets | 3.3885% | 1,704 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.3911% | 170 |
| Return on assets (ROA) | 2.3911% | 170 |
| Pretax return on assets | 2.5026% | 209 |
| Return on Equity (ROE) | 17.8175% | 461 |
| Retained earnings to average equity (ytd only) | 7.0118% | 1,816 |
| Net charge-offs to loans | -0.0362% | 5,802 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5196% | 5,505 |
| Assets per employee ($millions) | 4.0134% | 3,848 |
| Cash dividends to net income (ytd only)* | 60.6465% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 2,486 |
| Loan loss allowance to noncurrent loans | 115.8960% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 1.3341% | 2,317 |
| Noncurrent loans to loans | 1.3414% | 2,401 |
| Net loans and leases to total assets | 82.5282% | 460 |
| Net loans and leases to deposits | 101.7943% | 511 |
| Net loans and leases to core deposits | 115.1330% | 544 |
| Total domestic deposits to total assets | 81.0734% | 4,803 |
| Equity capital to assets | 13.2243% | 1,314 |
| Core capital (leverage) ratio | 12.1590% | 1,598 |
| Tier 1 risk-based capital ratio | 11.9523% | 5,519 |
| Total risk-based capital ratio | 13.0899% | 5,513 |
| Memoranda: | ||
| Average total assets | $526,115,000 | 1,284 |
| Average earning assets | $479,865,000 | 1,288 |
| Average equity | $70,603,000 | 1,038 |
| Average total loans | $431,005,250 | 1,026 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6565% | 239 |
| Cost of funding earning assets | 0.7434% | 950 |
| Net interest margin | 4.9131% | 340 |
| Noninterest income to average assets | 1.2804% | 721 |
| Noninterest expense to average assets | 3.3614% | 1,782 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.2783% | 197 |
| Return on assets (ROA) | 2.2783% | 209 |
| Pretax return on assets | 2.3789% | 262 |
| Return on Equity (ROE) | 16.8896% | 566 |
| Retained earnings to average equity (ytd only) | 7.0192% | 1,766 |
| Net charge-offs to loans | -0.0510% | 5,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5575% | 5,485 |
| Assets per employee ($millions) | 3.8368% | 4,185 |
| Cash dividends to net income (ytd only)* | 58.4409% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6713% | 2,223 |
| Loan loss allowance to noncurrent loans | 600.1665% | 788 |
| Noncurrent assets plus other real estate owned to assets | 1.4369% | 2,268 |
| Noncurrent loans to loans | 0.2785% | 5,183 |
| Net loans and leases to total assets | 81.2687% | 546 |
| Net loans and leases to deposits | 99.3129% | 590 |
| Net loans and leases to core deposits | 110.4428% | 678 |
| Total domestic deposits to total assets | 81.8310% | 4,705 |
| Equity capital to assets | 13.7484% | 1,066 |
| Core capital (leverage) ratio | 12.5157% | 1,381 |
| Tier 1 risk-based capital ratio | 11.5404% | 5,776 |
| Total risk-based capital ratio | 12.7912% | 5,729 |
| Memoranda: | ||
| Average total assets | $516,871,330 | 1,306 |
| Average earning assets | $469,194,000 | 1,310 |
| Average equity | $69,723,330 | 1,047 |
| Average total loans | $419,908,000 | 1,041 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5128% | 287 |
| Cost of funding earning assets | 0.7476% | 982 |
| Net interest margin | 4.7651% | 406 |
| Noninterest income to average assets | 1.1578% | 828 |
| Noninterest expense to average assets | 3.2854% | 1,980 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0785% | 293 |
| Return on assets (ROA) | 2.0785% | 304 |
| Pretax return on assets | 2.1843% | 362 |
| Return on Equity (ROE) | 15.5599% | 697 |
| Retained earnings to average equity (ytd only) | 5.2390% | 2,975 |
| Net charge-offs to loans | -0.0608% | 5,898 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0654% | 5,398 |
| Assets per employee ($millions) | 3.8051% | 4,314 |
| Cash dividends to net income (ytd only)* | 66.3300% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7527% | 2,193 |
| Loan loss allowance to noncurrent loans | 138.7565% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 2.3500% | 1,384 |
| Noncurrent loans to loans | 1.2632% | 2,921 |
| Net loans and leases to total assets | 78.1737% | 756 |
| Net loans and leases to deposits | 90.7854% | 1,060 |
| Net loans and leases to core deposits | 101.0173% | 1,034 |
| Total domestic deposits to total assets | 86.1082% | 3,305 |
| Equity capital to assets | 13.5098% | 1,093 |
| Core capital (leverage) ratio | 12.3395% | 1,460 |
| Tier 1 risk-based capital ratio | 12.0126% | 5,637 |
| Total risk-based capital ratio | 13.1006% | 5,663 |
| Memoranda: | ||
| Average total assets | $514,404,000 | 1,314 |
| Average earning assets | $465,464,000 | 1,326 |
| Average equity | $68,715,000 | 1,064 |
| Average total loans | $414,225,500 | 1,058 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8010% | 227 |
| Cost of funding earning assets | 0.8945% | 764 |
| Net interest margin | 4.9065% | 355 |
| Noninterest income to average assets | 2.1178% | 362 |
| Noninterest expense to average assets | 3.7682% | 1,189 |
| Loan and lease loss provision to assets | 0.3801% | 806 |
| Net operating income to assets | 2.3061% | 211 |
| Return on assets (ROA) | 2.3079% | 213 |
| Pretax return on assets | 2.4132% | 226 |
| Return on Equity (ROE) | 16.6312% | 551 |
| Retained earnings to average equity (ytd only) | 6.7793% | 1,537 |
| Net charge-offs to loans | 0.0597% | 4,383 |
| Credit loss provision to net charge-offs | 793.1034% | 313 |
| Earnings coverage of net charge-offs (x) | 58.2457% | 702 |
| Efficiency ratio | 57.4447% | 5,797 |
| Assets per employee ($millions) | 3.8441% | 4,174 |
| Cash dividends to net income (ytd only)* | 59.2374% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6919% | 2,426 |
| Loan loss allowance to noncurrent loans | 812.4714% | 619 |
| Noncurrent assets plus other real estate owned to assets | 1.5758% | 2,367 |
| Noncurrent loans to loans | 0.2082% | 5,560 |
| Net loans and leases to total assets | 80.1011% | 587 |
| Net loans and leases to deposits | 98.9451% | 542 |
| Net loans and leases to core deposits | 110.5839% | 589 |
| Total domestic deposits to total assets | 80.9551% | 5,193 |
| Equity capital to assets | 13.2070% | 1,182 |
| Core capital (leverage) ratio | 12.1809% | 1,505 |
| Tier 1 risk-based capital ratio | 12.1050% | 5,556 |
| Total risk-based capital ratio | 13.2093% | 5,577 |
| Memoranda: | ||
| Average total assets | $484,078,000 | 1,372 |
| Average earning assets | $438,232,800 | 1,388 |
| Average equity | $67,174,800 | 1,072 |
| Average total loans | $388,304,000 | 1,097 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7476% | 255 |
| Cost of funding earning assets | 0.9368% | 681 |
| Net interest margin | 4.8108% | 421 |
| Noninterest income to average assets | 2.2463% | 349 |
| Noninterest expense to average assets | 3.8419% | 1,035 |
| Loan and lease loss provision to assets | 0.4759% | 585 |
| Net operating income to assets | 2.1745% | 272 |
| Return on assets (ROA) | 2.1769% | 279 |
| Pretax return on assets | 2.2922% | 325 |
| Return on Equity (ROE) | 15.4853% | 718 |
| Retained earnings to average equity (ytd only) | 6.1647% | 2,303 |
| Net charge-offs to loans | 0.4668% | 1,377 |
| Credit loss provision to net charge-offs | 127.6276% | 1,849 |
| Earnings coverage of net charge-offs (x) | 7.4174% | 2,799 |
| Efficiency ratio | 58.1445% | 5,666 |
| Assets per employee ($millions) | 3.7915% | 4,267 |
| Cash dividends to net income (ytd only)* | 60.1904% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4744% | 3,568 |
| Loan loss allowance to noncurrent loans | 165.5650% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 1.9150% | 2,115 |
| Noncurrent loans to loans | 0.8905% | 4,043 |
| Net loans and leases to total assets | 79.4618% | 605 |
| Net loans and leases to deposits | 102.1427% | 373 |
| Net loans and leases to core deposits | 111.1436% | 534 |
| Total domestic deposits to total assets | 77.7949% | 5,933 |
| Equity capital to assets | 13.5951% | 1,080 |
| Core capital (leverage) ratio | 12.6759% | 1,336 |
| Tier 1 risk-based capital ratio | 12.9597% | 5,153 |
| Total risk-based capital ratio | 14.1095% | 5,161 |
| Memoranda: | ||
| Average total assets | $476,318,750 | 1,403 |
| Average earning assets | $431,799,750 | 1,415 |
| Average equity | $66,960,750 | 1,081 |
| Average total loans | $380,451,500 | 1,126 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7798% | 248 |
| Cost of funding earning assets | 0.9961% | 556 |
| Net interest margin | 4.7837% | 443 |
| Noninterest income to average assets | 2.4745% | 324 |
| Noninterest expense to average assets | 4.1143% | 764 |
| Loan and lease loss provision to assets | 0.1699% | 2,212 |
| Net operating income to assets | 2.4195% | 190 |
| Return on assets (ROA) | 2.4231% | 203 |
| Pretax return on assets | 2.5417% | 262 |
| Return on Equity (ROE) | 17.0409% | 549 |
| Retained earnings to average equity (ytd only) | 7.0745% | 1,860 |
| Net charge-offs to loans | -0.2519% | 6,722 |
| Credit loss provision to net charge-offs | -84.7458% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3089% | 5,438 |
| Assets per employee ($millions) | 3.1701% | 5,547 |
| Cash dividends to net income (ytd only)* | 58.4853% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6889% | 2,815 |
| Loan loss allowance to noncurrent loans | 287.3589% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 1.7194% | 2,533 |
| Noncurrent loans to loans | 0.5877% | 4,786 |
| Net loans and leases to total assets | 78.9728% | 638 |
| Net loans and leases to deposits | 98.1981% | 529 |
| Net loans and leases to core deposits | 107.3701% | 665 |
| Total domestic deposits to total assets | 80.4219% | 5,498 |
| Equity capital to assets | 14.1956% | 905 |
| Core capital (leverage) ratio | 12.8516% | 1,227 |
| Tier 1 risk-based capital ratio | 14.1454% | 4,329 |
| Total risk-based capital ratio | 15.3330% | 4,325 |
| Memoranda: | ||
| Average total assets | $470,794,670 | 1,408 |
| Average earning assets | $427,872,670 | 1,427 |
| Average equity | $66,944,670 | 1,078 |
| Average total loans | $374,761,670 | 1,136 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7210% | 262 |
| Cost of funding earning assets | 1.0148% | 566 |
| Net interest margin | 4.7062% | 465 |
| Noninterest income to average assets | 2.4207% | 333 |
| Noninterest expense to average assets | 3.7082% | 1,236 |
| Loan and lease loss provision to assets | 0.1696% | 2,164 |
| Net operating income to assets | 2.6806% | 135 |
| Return on assets (ROA) | 2.6878% | 141 |
| Pretax return on assets | 2.8261% | 186 |
| Return on Equity (ROE) | 18.8866% | 364 |
| Retained earnings to average equity (ytd only) | 8.3079% | 1,638 |
| Net charge-offs to loans | 0.0043% | 4,080 |
| Credit loss provision to net charge-offs | 5,000.0000% | 53 |
| Earnings coverage of net charge-offs (x) | 880.7500% | 27 |
| Efficiency ratio | 55.3768% | 6,121 |
| Assets per employee ($millions) | 3.8230% | 4,308 |
| Cash dividends to net income (ytd only)* | 56.0114% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5537% | 3,600 |
| Loan loss allowance to noncurrent loans | 80.2624% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.7532% | 2,664 |
| Noncurrent loans to loans | 1.9358% | 2,695 |
| Net loans and leases to total assets | 77.9241% | 618 |
| Net loans and leases to deposits | 93.6772% | 689 |
| Net loans and leases to core deposits | 101.5703% | 855 |
| Total domestic deposits to total assets | 83.1836% | 4,800 |
| Equity capital to assets | 14.5906% | 852 |
| Core capital (leverage) ratio | 12.7744% | 1,206 |
| Tier 1 risk-based capital ratio | 13.2819% | 5,027 |
| Total risk-based capital ratio | 14.3765% | 5,078 |
| Memoranda: | ||
| Average total assets | $471,608,000 | 1,423 |
| Average earning assets | $428,456,500 | 1,435 |
| Average equity | $67,116,500 | 1,086 |
| Average total loans | $373,702,500 | 1,140 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8576% | 337 |
| Cost of funding earning assets | 1.2756% | 408 |
| Net interest margin | 4.5821% | 809 |
| Noninterest income to average assets | 2.2466% | 371 |
| Noninterest expense to average assets | 3.6263% | 1,548 |
| Loan and lease loss provision to assets | 0.4009% | 1,619 |
| Net operating income to assets | 2.2694% | 221 |
| Return on assets (ROA) | 2.2737% | 238 |
| Pretax return on assets | 2.3819% | 299 |
| Return on Equity (ROE) | 15.6115% | 719 |
| Retained earnings to average equity (ytd only) | 8.8094% | 877 |
| Net charge-offs to loans | 0.3021% | 3,136 |
| Credit loss provision to net charge-offs | 174.6493% | 1,511 |
| Earnings coverage of net charge-offs (x) | 12.1022% | 1,963 |
| Efficiency ratio | 56.5492% | 6,000 |
| Assets per employee ($millions) | 4.3694% | 3,211 |
| Cash dividends to net income (ytd only)* | 43.5711% | 2,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 3,977 |
| Loan loss allowance to noncurrent loans | 75.9856% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 1.7167% | 2,820 |
| Noncurrent loans to loans | 1.8961% | 2,809 |
| Net loans and leases to total assets | 78.1801% | 652 |
| Net loans and leases to deposits | 99.2976% | 440 |
| Net loans and leases to core deposits | 107.8714% | 614 |
| Total domestic deposits to total assets | 78.7332% | 5,948 |
| Equity capital to assets | 13.8857% | 1,089 |
| Core capital (leverage) ratio | 12.7213% | 1,233 |
| Tier 1 risk-based capital ratio | 13.7245% | 4,584 |
| Total risk-based capital ratio | 14.9162% | 4,576 |
| Memoranda: | ||
| Average total assets | $434,745,400 | 1,519 |
| Average earning assets | $394,494,600 | 1,527 |
| Average equity | $63,318,800 | 1,122 |
| Average total loans | $330,375,000 | 1,274 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8394% | 376 |
| Cost of funding earning assets | 1.3458% | 361 |
| Net interest margin | 4.4937% | 1,004 |
| Noninterest income to average assets | 1.5986% | 580 |
| Noninterest expense to average assets | 3.4637% | 1,851 |
| Loan and lease loss provision to assets | 0.2000% | 3,079 |
| Net operating income to assets | 1.9271% | 428 |
| Return on assets (ROA) | 1.9322% | 489 |
| Pretax return on assets | 2.0254% | 670 |
| Return on Equity (ROE) | 13.0931% | 1,313 |
| Retained earnings to average equity (ytd only) | 6.8411% | 2,214 |
| Net charge-offs to loans | 0.2233% | 3,381 |
| Credit loss provision to net charge-offs | 119.3609% | 2,430 |
| Earnings coverage of net charge-offs (x) | 13.2480% | 1,928 |
| Efficiency ratio | 60.8291% | 5,345 |
| Assets per employee ($millions) | 4.3609% | 3,147 |
| Cash dividends to net income (ytd only)* | 47.7503% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 4,374 |
| Loan loss allowance to noncurrent loans | 71.4959% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 2.8181% | 1,866 |
| Noncurrent loans to loans | 1.9585% | 2,887 |
| Net loans and leases to total assets | 76.7953% | 870 |
| Net loans and leases to deposits | 94.6605% | 741 |
| Net loans and leases to core deposits | 101.1097% | 1,044 |
| Total domestic deposits to total assets | 81.1271% | 5,317 |
| Equity capital to assets | 14.4352% | 989 |
| Core capital (leverage) ratio | 12.7013% | 1,318 |
| Tier 1 risk-based capital ratio | 12.6238% | 5,539 |
| Total risk-based capital ratio | 13.7042% | 5,644 |
| Memoranda: | ||
| Average total assets | $423,274,000 | 1,569 |
| Average earning assets | $384,799,750 | 1,573 |
| Average equity | $62,463,750 | 1,147 |
| Average total loans | $317,656,000 | 1,336 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7905% | 411 |
| Cost of funding earning assets | 1.4175% | 329 |
| Net interest margin | 4.3730% | 1,273 |
| Noninterest income to average assets | 1.6025% | 578 |
| Noninterest expense to average assets | 3.5184% | 1,742 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.9700% | 413 |
| Return on assets (ROA) | 1.9745% | 471 |
| Pretax return on assets | 2.0688% | 611 |
| Return on Equity (ROE) | 13.2769% | 1,286 |
| Retained earnings to average equity (ytd only) | 7.4981% | 1,874 |
| Net charge-offs to loans | 0.0162% | 5,191 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 171.7600% | 265 |
| Efficiency ratio | 62.8552% | 5,106 |
| Assets per employee ($millions) | 4.1120% | 3,638 |
| Cash dividends to net income (ytd only)* | 43.5248% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4622% | 4,198 |
| Loan loss allowance to noncurrent loans | 64.2935% | 4,447 |
| Noncurrent assets plus other real estate owned to assets | 3.0654% | 1,788 |
| Noncurrent loans to loans | 2.2743% | 2,648 |
| Net loans and leases to total assets | 75.8850% | 976 |
| Net loans and leases to deposits | 92.6841% | 871 |
| Net loans and leases to core deposits | 98.1216% | 1,264 |
| Total domestic deposits to total assets | 81.8749% | 5,181 |
| Equity capital to assets | 15.0752% | 765 |
| Core capital (leverage) ratio | 12.9617% | 1,162 |
| Tier 1 risk-based capital ratio | 13.8022% | 4,592 |
| Total risk-based capital ratio | 14.9303% | 4,658 |
| Memoranda: | ||
| Average total assets | $416,096,330 | 1,597 |
| Average earning assets | $378,691,000 | 1,593 |
| Average equity | $61,882,000 | 1,151 |
| Average total loans | $308,060,670 | 1,370 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6695% | 549 |
| Cost of funding earning assets | 1.4889% | 300 |
| Net interest margin | 4.1806% | 1,812 |
| Noninterest income to average assets | 1.6891% | 521 |
| Noninterest expense to average assets | 3.6792% | 1,411 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7587% | 653 |
| Return on assets (ROA) | 1.7634% | 721 |
| Pretax return on assets | 1.8223% | 1,028 |
| Return on Equity (ROE) | 11.9395% | 1,691 |
| Retained earnings to average equity (ytd only) | 6.8618% | 2,496 |
| Net charge-offs to loans | 0.0093% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 269.0000% | 127 |
| Efficiency ratio | 66.7603% | 4,414 |
| Assets per employee ($millions) | 4.0599% | 3,887 |
| Cash dividends to net income (ytd only)* | 42.5287% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5896% | 3,764 |
| Loan loss allowance to noncurrent loans | 51.8425% | 4,964 |
| Noncurrent assets plus other real estate owned to assets | 3.7164% | 1,522 |
| Noncurrent loans to loans | 3.0662% | 2,093 |
| Net loans and leases to total assets | 70.8790% | 1,596 |
| Net loans and leases to deposits | 83.9094% | 1,672 |
| Net loans and leases to core deposits | 88.8998% | 1,964 |
| Total domestic deposits to total assets | 84.4709% | 4,290 |
| Equity capital to assets | 14.8986% | 769 |
| Core capital (leverage) ratio | 13.0191% | 1,122 |
| Tier 1 risk-based capital ratio | 15.4585% | 3,471 |
| Total risk-based capital ratio | 16.6365% | 3,473 |
| Memoranda: | ||
| Average total assets | $414,432,500 | 1,603 |
| Average earning assets | $377,460,000 | 1,604 |
| Average equity | $61,208,500 | 1,162 |
| Average total loans | $300,589,500 | 1,413 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0263% | 416 |
| Cost of funding earning assets | 1.6917% | 336 |
| Net interest margin | 4.3346% | 1,591 |
| Noninterest income to average assets | 1.1230% | 1,048 |
| Noninterest expense to average assets | 3.0112% | 3,553 |
| Loan and lease loss provision to assets | 0.2974% | 3,286 |
| Net operating income to assets | 1.6716% | 581 |
| Return on assets (ROA) | 1.6658% | 627 |
| Pretax return on assets | 1.7701% | 857 |
| Return on Equity (ROE) | 11.8003% | 1,465 |
| Retained earnings to average equity (ytd only) | 6.9736% | 1,518 |
| Net charge-offs to loans | 0.2537% | 4,187 |
| Credit loss provision to net charge-offs | 159.1029% | 1,741 |
| Earnings coverage of net charge-offs (x) | 11.0937% | 1,758 |
| Efficiency ratio | 58.9282% | 5,911 |
| Assets per employee ($millions) | 3.9881% | 3,887 |
| Cash dividends to net income (ytd only)* | 40.9030% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5674% | 3,719 |
| Loan loss allowance to noncurrent loans | 67.3093% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 3.2486% | 1,837 |
| Noncurrent loans to loans | 2.3286% | 2,825 |
| Net loans and leases to total assets | 71.8913% | 1,666 |
| Net loans and leases to deposits | 86.6372% | 1,588 |
| Net loans and leases to core deposits | 93.0642% | 1,792 |
| Total domestic deposits to total assets | 82.9797% | 4,756 |
| Equity capital to assets | 14.6401% | 861 |
| Core capital (leverage) ratio | 12.5016% | 1,353 |
| Tier 1 risk-based capital ratio | 15.1380% | 3,552 |
| Total risk-based capital ratio | 16.3697% | 3,534 |
| Memoranda: | ||
| Average total assets | $405,516,200 | 1,601 |
| Average earning assets | $370,643,600 | 1,599 |
| Average equity | $57,244,200 | 1,188 |
| Average total loans | $298,723,200 | 1,425 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8694% | 120 |
| Cost of funding earning assets | 1.7446% | 325 |
| Net interest margin | 5.1248% | 324 |
| Noninterest income to average assets | 0.2764% | 5,641 |
| Noninterest expense to average assets | 3.0019% | 3,549 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8379% | 483 |
| Return on assets (ROA) | 1.8379% | 523 |
| Pretax return on assets | 1.9606% | 679 |
| Return on Equity (ROE) | 13.1450% | 1,240 |
| Retained earnings to average equity (ytd only) | 8.1405% | 1,454 |
| Net charge-offs to loans | -0.1335% | 7,209 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1919% | 5,689 |
| Assets per employee ($millions) | 4.1380% | 3,572 |
| Cash dividends to net income (ytd only)* | 38.0712% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4367% | 4,390 |
| Loan loss allowance to noncurrent loans | 59.9557% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 2.7947% | 2,324 |
| Noncurrent loans to loans | 2.3962% | 2,894 |
| Net loans and leases to total assets | 75.4776% | 1,065 |
| Net loans and leases to deposits | 93.6195% | 870 |
| Net loans and leases to core deposits | 98.8193% | 1,358 |
| Total domestic deposits to total assets | 80.6217% | 5,557 |
| Equity capital to assets | 14.3383% | 1,045 |
| Core capital (leverage) ratio | 12.6755% | 1,358 |
| Tier 1 risk-based capital ratio | 14.3235% | 4,110 |
| Total risk-based capital ratio | 15.5741% | 4,074 |
| Memoranda: | ||
| Average total assets | $403,205,750 | 1,617 |
| Average earning assets | $368,679,750 | 1,618 |
| Average equity | $56,375,000 | 1,202 |
| Average total loans | $297,673,250 | 1,441 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7472% | 152 |
| Cost of funding earning assets | 1.7890% | 324 |
| Net interest margin | 4.9582% | 425 |
| Noninterest income to average assets | 0.2983% | 5,504 |
| Noninterest expense to average assets | 3.0058% | 3,620 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6862% | 620 |
| Return on assets (ROA) | 1.6862% | 666 |
| Pretax return on assets | 1.8253% | 834 |
| Return on Equity (ROE) | 12.1685% | 1,446 |
| Retained earnings to average equity (ytd only) | 7.0300% | 1,864 |
| Net charge-offs to loans | -0.2164% | 7,297 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9062% | 5,596 |
| Assets per employee ($millions) | 4.0345% | 3,686 |
| Cash dividends to net income (ytd only)* | 42.2275% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5758% | 3,799 |
| Loan loss allowance to noncurrent loans | 56.0768% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 3.2695% | 2,046 |
| Noncurrent loans to loans | 2.8100% | 2,588 |
| Net loans and leases to total assets | 72.1545% | 1,759 |
| Net loans and leases to deposits | 86.2803% | 1,752 |
| Net loans and leases to core deposits | 89.3941% | 2,450 |
| Total domestic deposits to total assets | 83.6281% | 4,496 |
| Equity capital to assets | 14.3603% | 980 |
| Core capital (leverage) ratio | 12.8251% | 1,234 |
| Tier 1 risk-based capital ratio | 15.5133% | 3,232 |
| Total risk-based capital ratio | 16.7661% | 3,176 |
| Memoranda: | ||
| Average total assets | $398,295,330 | 1,648 |
| Average earning assets | $364,121,000 | 1,646 |
| Average equity | $55,191,670 | 1,219 |
| Average total loans | $290,215,330 | 1,499 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7743% | 147 |
| Cost of funding earning assets | 1.8308% | 337 |
| Net interest margin | 4.9436% | 421 |
| Noninterest income to average assets | 0.2967% | 5,543 |
| Noninterest expense to average assets | 3.1689% | 2,995 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4502% | 988 |
| Return on assets (ROA) | 1.4502% | 1,024 |
| Pretax return on assets | 1.6493% | 1,080 |
| Return on Equity (ROE) | 10.6600% | 1,852 |
| Retained earnings to average equity (ytd only) | 5.3004% | 3,007 |
| Net charge-offs to loans | -0.4929% | 7,409 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4561% | 5,131 |
| Assets per employee ($millions) | 4.0669% | 3,703 |
| Cash dividends to net income (ytd only)* | 50.2774% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6789% | 3,415 |
| Loan loss allowance to noncurrent loans | 93.3253% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 2.3993% | 2,839 |
| Noncurrent loans to loans | 1.7990% | 3,832 |
| Net loans and leases to total assets | 69.1186% | 2,301 |
| Net loans and leases to deposits | 80.9510% | 2,538 |
| Net loans and leases to core deposits | 85.0247% | 3,027 |
| Total domestic deposits to total assets | 85.3833% | 3,842 |
| Equity capital to assets | 13.8869% | 1,033 |
| Core capital (leverage) ratio | 12.2178% | 1,451 |
| Tier 1 risk-based capital ratio | 15.0173% | 3,417 |
| Total risk-based capital ratio | 16.2702% | 3,374 |
| Memoranda: | ||
| Average total assets | $397,735,500 | 1,665 |
| Average earning assets | $363,785,000 | 1,655 |
| Average equity | $54,109,000 | 1,235 |
| Average total loans | $288,918,000 | 1,519 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1908% | 115 |
| Cost of funding earning assets | 2.0305% | 540 |
| Net interest margin | 5.1603% | 312 |
| Noninterest income to average assets | 0.5606% | 3,743 |
| Noninterest expense to average assets | 3.1957% | 3,110 |
| Loan and lease loss provision to assets | 0.7867% | 2,079 |
| Net operating income to assets | 1.2378% | 1,323 |
| Return on assets (ROA) | 1.2399% | 1,390 |
| Pretax return on assets | 1.2981% | 1,926 |
| Return on Equity (ROE) | 9.2710% | 2,188 |
| Retained earnings to average equity (ytd only) | 3.8591% | 3,160 |
| Net charge-offs to loans | 0.5999% | 3,231 |
| Credit loss provision to net charge-offs | 174.4622% | 1,924 |
| Earnings coverage of net charge-offs (x) | 4.6183% | 2,864 |
| Efficiency ratio | 60.2611% | 6,006 |
| Assets per employee ($millions) | 3.9701% | 3,849 |
| Cash dividends to net income (ytd only)* | 58.3751% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4309% | 4,372 |
| Loan loss allowance to noncurrent loans | 28.1082% | 6,406 |
| Noncurrent assets plus other real estate owned to assets | 4.7161% | 1,394 |
| Noncurrent loans to loans | 5.0906% | 1,312 |
| Net loans and leases to total assets | 73.8723% | 1,683 |
| Net loans and leases to deposits | 88.7749% | 1,681 |
| Net loans and leases to core deposits | 93.4904% | 2,323 |
| Total domestic deposits to total assets | 83.2130% | 4,704 |
| Equity capital to assets | 13.3262% | 1,249 |
| Core capital (leverage) ratio | 11.6966% | 1,726 |
| Tier 1 risk-based capital ratio | 14.1254% | 3,788 |
| Total risk-based capital ratio | 15.3761% | 3,744 |
| Memoranda: | ||
| Average total assets | $402,042,400 | 1,646 |
| Average earning assets | $367,553,000 | 1,636 |
| Average equity | $53,769,600 | 1,243 |
| Average total loans | $302,222,400 | 1,488 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9857% | 149 |
| Cost of funding earning assets | 2.0459% | 651 |
| Net interest margin | 4.9399% | 506 |
| Noninterest income to average assets | 0.4918% | 4,253 |
| Noninterest expense to average assets | 2.9121% | 4,041 |
| Loan and lease loss provision to assets | 0.6052% | 2,518 |
| Net operating income to assets | 1.4278% | 1,059 |
| Return on assets (ROA) | 1.4287% | 1,124 |
| Pretax return on assets | 1.4904% | 1,647 |
| Return on Equity (ROE) | 10.6732% | 1,883 |
| Retained earnings to average equity (ytd only) | 5.6102% | 2,585 |
| Net charge-offs to loans | 0.6419% | 2,825 |
| Credit loss provision to net charge-offs | 125.3260% | 3,267 |
| Earnings coverage of net charge-offs (x) | 4.3377% | 3,090 |
| Efficiency ratio | 57.8672% | 6,290 |
| Assets per employee ($millions) | 4.2634% | 3,327 |
| Cash dividends to net income (ytd only)* | 47.4368% | 1,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 5,927 |
| Loan loss allowance to noncurrent loans | 22.0166% | 6,817 |
| Noncurrent assets plus other real estate owned to assets | 4.5933% | 1,471 |
| Noncurrent loans to loans | 5.0055% | 1,377 |
| Net loans and leases to total assets | 73.5389% | 1,900 |
| Net loans and leases to deposits | 91.0436% | 1,574 |
| Net loans and leases to core deposits | 97.2886% | 2,119 |
| Total domestic deposits to total assets | 80.7732% | 5,458 |
| Equity capital to assets | 13.8656% | 1,210 |
| Core capital (leverage) ratio | 11.8672% | 1,730 |
| Tier 1 risk-based capital ratio | 14.6260% | 3,441 |
| Total risk-based capital ratio | 15.6610% | 3,534 |
| Memoranda: | ||
| Average total assets | $402,307,000 | 1,667 |
| Average earning assets | $367,691,750 | 1,665 |
| Average equity | $53,853,000 | 1,240 |
| Average total loans | $302,649,000 | 1,503 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7293% | 232 |
| Cost of funding earning assets | 2.0555% | 761 |
| Net interest margin | 4.6738% | 858 |
| Noninterest income to average assets | 0.5062% | 4,062 |
| Noninterest expense to average assets | 2.8525% | 4,258 |
| Loan and lease loss provision to assets | 0.6786% | 2,126 |
| Net operating income to assets | 1.2018% | 1,555 |
| Return on assets (ROA) | 1.2033% | 1,623 |
| Pretax return on assets | 1.2501% | 2,257 |
| Return on Equity (ROE) | 9.0987% | 2,424 |
| Retained earnings to average equity (ytd only) | 4.2310% | 3,379 |
| Net charge-offs to loans | 0.7079% | 2,444 |
| Credit loss provision to net charge-offs | 126.9338% | 3,170 |
| Earnings coverage of net charge-offs (x) | 3.6048% | 3,245 |
| Efficiency ratio | 59.3662% | 6,167 |
| Assets per employee ($millions) | 4.2591% | 3,284 |
| Cash dividends to net income (ytd only)* | 53.4990% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 6,173 |
| Loan loss allowance to noncurrent loans | 16.4826% | 7,093 |
| Noncurrent assets plus other real estate owned to assets | 5.4617% | 1,133 |
| Noncurrent loans to loans | 6.3803% | 954 |
| Net loans and leases to total assets | 75.3199% | 1,624 |
| Net loans and leases to deposits | 95.0719% | 1,142 |
| Net loans and leases to core deposits | 102.3647% | 1,792 |
| Total domestic deposits to total assets | 79.2241% | 5,970 |
| Equity capital to assets | 13.3216% | 1,429 |
| Core capital (leverage) ratio | 11.6919% | 1,811 |
| Tier 1 risk-based capital ratio | 14.0494% | 3,688 |
| Total risk-based capital ratio | 15.0443% | 3,847 |
| Memoranda: | ||
| Average total assets | $401,401,330 | 1,686 |
| Average earning assets | $367,021,000 | 1,677 |
| Average equity | $53,084,330 | 1,255 |
| Average total loans | $303,142,330 | 1,512 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4670% | 384 |
| Cost of funding earning assets | 2.0768% | 867 |
| Net interest margin | 4.3902% | 1,416 |
| Noninterest income to average assets | 0.4953% | 4,086 |
| Noninterest expense to average assets | 2.8905% | 4,099 |
| Loan and lease loss provision to assets | 0.7624% | 1,664 |
| Net operating income to assets | 0.8284% | 2,840 |
| Return on assets (ROA) | 0.8284% | 2,938 |
| Pretax return on assets | 0.8524% | 3,656 |
| Return on Equity (ROE) | 6.2875% | 3,733 |
| Retained earnings to average equity (ytd only) | 1.3820% | 5,250 |
| Net charge-offs to loans | 0.5893% | 2,332 |
| Credit loss provision to net charge-offs | 172.0090% | 2,105 |
| Earnings coverage of net charge-offs (x) | 3.6433% | 2,837 |
| Efficiency ratio | 63.8241% | 5,532 |
| Assets per employee ($millions) | 4.2003% | 3,462 |
| Cash dividends to net income (ytd only)* | 78.0193% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 5,981 |
| Loan loss allowance to noncurrent loans | 17.0234% | 7,148 |
| Noncurrent assets plus other real estate owned to assets | 5.4071% | 1,152 |
| Noncurrent loans to loans | 6.4959% | 960 |
| Net loans and leases to total assets | 73.2640% | 2,138 |
| Net loans and leases to deposits | 93.0638% | 1,468 |
| Net loans and leases to core deposits | 99.8023% | 2,153 |
| Total domestic deposits to total assets | 78.7245% | 6,143 |
| Equity capital to assets | 13.2937% | 1,397 |
| Core capital (leverage) ratio | 11.4836% | 1,919 |
| Tier 1 risk-based capital ratio | 14.1037% | 3,591 |
| Total risk-based capital ratio | 15.1332% | 3,703 |
| Memoranda: | ||
| Average total assets | $399,795,000 | 1,728 |
| Average earning assets | $365,178,500 | 1,723 |
| Average equity | $52,676,000 | 1,272 |
| Average total loans | $300,716,500 | 1,564 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0155% | 274 |
| Cost of funding earning assets | 2.3192% | 1,583 |
| Net interest margin | 4.6962% | 841 |
| Noninterest income to average assets | 0.8668% | 2,097 |
| Noninterest expense to average assets | 2.9190% | 4,465 |
| Loan and lease loss provision to assets | 1.3709% | 1,679 |
| Net operating income to assets | 0.8409% | 2,383 |
| Return on assets (ROA) | 0.9039% | 2,228 |
| Pretax return on assets | 0.9410% | 2,788 |
| Return on Equity (ROE) | 6.9980% | 2,786 |
| Retained earnings to average equity (ytd only) | 4.8076% | 1,921 |
| Net charge-offs to loans | 1.7600% | 1,421 |
| Credit loss provision to net charge-offs | 103.5624% | 5,334 |
| Earnings coverage of net charge-offs (x) | 1.6969% | 4,469 |
| Efficiency ratio | 56.2135% | 6,992 |
| Assets per employee ($millions) | 4.2613% | 3,329 |
| Cash dividends to net income (ytd only)* | 31.2999% | 3,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9646% | 6,558 |
| Loan loss allowance to noncurrent loans | 26.5646% | 6,705 |
| Noncurrent assets plus other real estate owned to assets | 3.2088% | 2,142 |
| Noncurrent loans to loans | 3.6312% | 2,076 |
| Net loans and leases to total assets | 75.6113% | 1,898 |
| Net loans and leases to deposits | 98.8427% | 1,020 |
| Net loans and leases to core deposits | 131.3796% | 1,204 |
| Total domestic deposits to total assets | 76.4966% | 6,590 |
| Equity capital to assets | 13.0583% | 1,490 |
| Core capital (leverage) ratio | 11.3245% | 2,022 |
| Tier 1 risk-based capital ratio | 13.7168% | 3,674 |
| Total risk-based capital ratio | 14.6244% | 3,841 |
| Memoranda: | ||
| Average total assets | $388,079,000 | 1,770 |
| Average earning assets | $355,201,600 | 1,759 |
| Average equity | $50,128,600 | 1,343 |
| Average total loans | $291,875,800 | 1,642 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9002% | 352 |
| Cost of funding earning assets | 2.3665% | 1,753 |
| Net interest margin | 4.5337% | 1,113 |
| Noninterest income to average assets | 0.9133% | 1,927 |
| Noninterest expense to average assets | 2.9221% | 4,360 |
| Loan and lease loss provision to assets | 1.7214% | 1,078 |
| Net operating income to assets | 0.3948% | 4,420 |
| Return on assets (ROA) | 0.4766% | 4,185 |
| Pretax return on assets | 0.5116% | 4,482 |
| Return on Equity (ROE) | 3.7000% | 4,497 |
| Retained earnings to average equity (ytd only) | 0.7475% | 4,871 |
| Net charge-offs to loans | 2.2030% | 876 |
| Credit loss provision to net charge-offs | 104.3022% | 4,873 |
| Earnings coverage of net charge-offs (x) | 1.2997% | 4,804 |
| Efficiency ratio | 57.3616% | 6,815 |
| Assets per employee ($millions) | 4.2920% | 3,217 |
| Cash dividends to net income (ytd only)* | 79.7964% | 958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9793% | 6,399 |
| Loan loss allowance to noncurrent loans | 42.3362% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 2.1355% | 3,180 |
| Noncurrent loans to loans | 2.3132% | 3,248 |
| Net loans and leases to total assets | 75.2834% | 2,163 |
| Net loans and leases to deposits | 100.1009% | 1,093 |
| Net loans and leases to core deposits | 134.4003% | 1,186 |
| Total domestic deposits to total assets | 75.2075% | 6,736 |
| Equity capital to assets | 12.6502% | 1,858 |
| Core capital (leverage) ratio | 10.9954% | 2,408 |
| Tier 1 risk-based capital ratio | 13.2468% | 4,022 |
| Total risk-based capital ratio | 14.1745% | 4,177 |
| Memoranda: | ||
| Average total assets | $384,959,000 | 1,788 |
| Average earning assets | $352,698,250 | 1,786 |
| Average equity | $49,584,250 | 1,378 |
| Average total loans | $288,390,250 | 1,681 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9646% | 338 |
| Cost of funding earning assets | 2.3778% | 2,051 |
| Net interest margin | 4.5867% | 984 |
| Noninterest income to average assets | 0.9484% | 1,765 |
| Noninterest expense to average assets | 2.9793% | 4,162 |
| Loan and lease loss provision to assets | 1.2677% | 1,351 |
| Net operating income to assets | 0.8638% | 2,593 |
| Return on assets (ROA) | 0.9920% | 2,234 |
| Pretax return on assets | 1.0336% | 2,870 |
| Return on Equity (ROE) | 7.6541% | 2,903 |
| Retained earnings to average equity (ytd only) | 5.4707% | 2,258 |
| Net charge-offs to loans | 1.1208% | 1,620 |
| Credit loss provision to net charge-offs | 151.7632% | 3,030 |
| Earnings coverage of net charge-offs (x) | 2.5951% | 3,774 |
| Efficiency ratio | 57.5779% | 6,931 |
| Assets per employee ($millions) | 4.2528% | 3,197 |
| Cash dividends to net income (ytd only)* | 28.5260% | 2,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 4,971 |
| Loan loss allowance to noncurrent loans | 60.9648% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 1.7694% | 3,522 |
| Noncurrent loans to loans | 1.9631% | 3,574 |
| Net loans and leases to total assets | 74.9140% | 2,461 |
| Net loans and leases to deposits | 99.0261% | 1,388 |
| Net loans and leases to core deposits | 130.5141% | 1,520 |
| Total domestic deposits to total assets | 75.6507% | 6,626 |
| Equity capital to assets | 12.6098% | 1,872 |
| Core capital (leverage) ratio | 11.5287% | 2,073 |
| Tier 1 risk-based capital ratio | 13.7845% | 3,632 |
| Total risk-based capital ratio | 14.9220% | 3,638 |
| Memoranda: | ||
| Average total assets | $380,226,330 | 1,826 |
| Average earning assets | $348,047,000 | 1,829 |
| Average equity | $49,281,000 | 1,396 |
| Average total loans | $283,363,330 | 1,746 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9675% | 365 |
| Cost of funding earning assets | 2.4158% | 2,227 |
| Net interest margin | 4.5517% | 1,035 |
| Noninterest income to average assets | 1.0285% | 1,410 |
| Noninterest expense to average assets | 2.9878% | 3,820 |
| Loan and lease loss provision to assets | 2.3619% | 498 |
| Net operating income to assets | -0.1598% | 6,496 |
| Return on assets (ROA) | 0.1009% | 6,144 |
| Pretax return on assets | 0.1052% | 6,159 |
| Return on Equity (ROE) | 0.7676% | 6,202 |
| Retained earnings to average equity (ytd only) | -1.8700% | 6,075 |
| Net charge-offs to loans | 2.3482% | 620 |
| Credit loss provision to net charge-offs | 136.2229% | 2,981 |
| Earnings coverage of net charge-offs (x) | 1.2663% | 4,108 |
| Efficiency ratio | 57.3322% | 6,780 |
| Assets per employee ($millions) | 4.0378% | 3,583 |
| Cash dividends to net income (ytd only)* | 343.6170% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 4,843 |
| Loan loss allowance to noncurrent loans | 82.5006% | 3,583 |
| Noncurrent assets plus other real estate owned to assets | 1.4857% | 3,700 |
| Noncurrent loans to loans | 1.4484% | 4,128 |
| Net loans and leases to total assets | 73.8063% | 2,806 |
| Net loans and leases to deposits | 98.2171% | 1,631 |
| Net loans and leases to core deposits | 128.0663% | 1,783 |
| Total domestic deposits to total assets | 75.1461% | 6,680 |
| Equity capital to assets | 13.1128% | 1,695 |
| Core capital (leverage) ratio | 11.4951% | 2,151 |
| Tier 1 risk-based capital ratio | 14.1707% | 3,491 |
| Total risk-based capital ratio | 15.3043% | 3,479 |
| Memoranda: | ||
| Average total assets | $372,584,000 | 1,873 |
| Average earning assets | $340,094,000 | 1,876 |
| Average equity | $48,985,000 | 1,408 |
| Average total loans | $275,104,000 | 1,797 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8525% | 1,528 |
| Cost of funding earning assets | 3.1891% | 1,228 |
| Net interest margin | 3.6634% | 4,630 |
| Noninterest income to average assets | 1.5472% | 588 |
| Noninterest expense to average assets | 2.6779% | 5,347 |
| Loan and lease loss provision to assets | 0.2634% | 4,292 |
| Net operating income to assets | 1.8548% | 485 |
| Return on assets (ROA) | 2.0283% | 312 |
| Pretax return on assets | 2.1269% | 462 |
| Return on Equity (ROE) | 14.5033% | 1,010 |
| Retained earnings to average equity (ytd only) | 8.1085% | 815 |
| Net charge-offs to loans | 0.2413% | 3,847 |
| Credit loss provision to net charge-offs | 152.0270% | 3,446 |
| Earnings coverage of net charge-offs (x) | 12.7432% | 2,214 |
| Efficiency ratio | 54.4235% | 7,227 |
| Assets per employee ($millions) | 4.7391% | 2,268 |
| Cash dividends to net income (ytd only)* | 44.0918% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 5,808 |
| Loan loss allowance to noncurrent loans | 56.0462% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 1.7159% | 2,835 |
| Noncurrent loans to loans | 1.8306% | 3,016 |
| Net loans and leases to total assets | 72.2124% | 3,534 |
| Net loans and leases to deposits | 96.7429% | 2,326 |
| Net loans and leases to core deposits | 123.0021% | 2,398 |
| Total domestic deposits to total assets | 74.6436% | 6,530 |
| Equity capital to assets | 13.1825% | 1,716 |
| Core capital (leverage) ratio | 11.8662% | 2,045 |
| Tier 1 risk-based capital ratio | 14.4514% | 3,321 |
| Total risk-based capital ratio | 15.4009% | 3,395 |
| Memoranda: | ||
| Average total assets | $341,718,200 | 1,945 |
| Average earning assets | $311,403,000 | 1,957 |
| Average equity | $47,789,200 | 1,433 |
| Average total loans | $245,356,200 | 1,939 |